Whether it's coverage for a one- or two-family owner-occupied/owner-secondary home, a renter, or a condominium unit owner, the RPS Personal Lines experts have a Homeowners coverage solution for every situation.

Utilizing ISO forms (HO-3, HO-4, HO-6, and HO-5 all available), RPS Personal Lines specializes in risks with prior losses or declinations, lower-value homes in good condition, high value homes, no prior insurance, new purchases, homes in distressed markets or in the name of an LLC, as well as CAT-exposed coastal properties.

Homeowners Insurance Coverage Options

  • Personal property
  • Comprehensive personal liability
  • Medical payments
  • Other structure coverage
  • Loss of use
  • Extended replacement cost
  • Identity fraud expense
  • Water backup and sump discharge / overflow
  • Extended liability coverage for rental properties or a secondary residence
  • Builders risk / course of construction
  • In-home business in some states
  • Personal injury
  • Loss assessment
  • Excess flood

Meet our Homeowners Insurance Team

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