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

Related Industries, Products and Programs


Dwelling Insurance

Personal line dwelling insurance for one- to four-family residential dwellings and coverages outside of the traditional dwelling market.


Flood Insurance

Flood insurance expertise and placement for your dwelling, restaurant, public entity, HOAs, schools and commercial center clients.


Property Insurance

Property insurance coverage and placement for your hard-to-place clients.