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Personal Lines Programs

Proven Program Options

More than 400 property/casualty insurers throughout the United States use AAIS personal lines insurance programs, which provide policy forms, manual rules, and loss cost rating information for insuring residential property, personal liability, and privately owned watercraft. 

Insurers rely on these programs to maintain the coverages, exclusions, limitations, endorsement options, state amendatory endorsements, and other features carriers need in a highly competitive, highly litigious personal lines market.

Beyond that, AAIS has been forward-thinking and innovative over the years in addressing exposures arising from water, business activities, motorized vehicles, equipment breakdown, and changes in family structure, among others.

Among our most important innovations in personal lines has been the development of a Homeowners By-Peril Rating Plan, filed in most states and available ready-made for rating homeowners policies by peril.

AAIS personal lines programs are backed up by the expertise and personal service provided by our actuarial, product development, compliance, and support staff. Working on behalf of our members, these specialists deliver up-to-date products at a fraction of the cost and effort needed to do it yourself or use other providers.

Whether you are competing in standard markets or targeted ones--coastal, urban, high-value, others--AAIS personal lines programs are the options you can't afford to overlook.

Insurance companies seeking more information on AAIS products and services can contact 
by completing our contact form or by calling 800.564.AAIS x3289.

John Kadous, CPCU, CPM
Vice President - Personal Lines

Before coming to AAIS in March 2014, John had more than 26 years of experience in insurance, including 13 years with GEICO and nearly 12 years with USAA. At AAIS, John oversees several strategic initiatives, including the development of a Personal Auto Program and a Florida Homeowners Program, and the extension of the AAIS Underwriting Platform to support the AAIS Homeowners By-Peril Rating Plan.

Susan Luecke
Technical Lead

Sue has been the principal developer of the AAIS Homeowners and Personal Umbrella forms, and is currently undertaking a revision of the AAIS Dwelling Properties Program. Sue worked 15 years for the St. Paul Companies, an independent agency, and USF&G before coming to AAIS in 1992.

Jeffrey Holaway, CPCU, CPM
Onboarding Relationship Manager

Jeff provides support to companies converting to AAIS personal lines programs while helping to maintain those programs. Jeff is currently leading efforts to help insurers adopt the AAIS Homeowners By-Peril Rating Plan through the AAIS Underwriting PlatformJeff joined AAIS as personal lines pricing manager in 1999, after serving 12 years in various positions with American States and CNA.

Casey Brewer, CPCU
Product Manager - Personal Auto

Casey is leading the effort to develop new personal auto forms as the first component of an AAIS Personal Auto Program. Casey entered insurance in 1999. Following a stint with GEICO, he joined Unitrin and rose to become auto product manager for 27 states. He later became a staff underwriter for USAA, and held product management positions for Gainsco, Dallas National, and National Unity before joining AAIS in 2014.

Gerard Erickson, CPCU
Senior Product Development Specialist

Gerard is spearheading AAIS’s effort to develop a homeowners program specifically designed for the Florida market. Gerard started his career in insurance with CNA in 1987. He spent five years with Allstate before spending the next 11 years in product management positions with Lincoln General (where he established the product management function), AutoOne/One Beacon, and QBE Americas.

"AAIS has been pro-active in giving its member companies the lead in product innovation. Also, your support providing advisory endorsements and disclosure notices is a real plus. Kudos to the whole team at AAIS."

-- John DiStefano, Assistant Personal Lines Manager
Preferred Mutual Ins. Co.

Personal Lines Press Releases

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