Homeowners Insurance
Custom homeowners insurance and risk coverage for personal property, personal liability, replacement costs, loss assessment, excess flood and more.
Whether you are helping your clients with their primary residence or their prized possessions, we have the coverage and service to help you meet all their risk needs. Our team of experts is ready to listen, guide and create a seamless experience from quoting to placement to claims management.
Understanding Our Approach for E&S Lines
E&S placement is more than an alternative to the standard market. It starts with understanding why a risk falls outside conventional appetite and identifying the right combination of market, structure, and coverage to support it. Our team takes a risk-first approach, looking beyond individual features to understand the broader exposure, underwriting considerations, and objectives behind each account. From there, we draw on our market relationships and specialist knowledge to help brokers find the most appropriate options available.
Our Solutions for Personal Lines Insurance Brokerage
Dwelling Insurance
Personal line dwelling insurance for one- to four-family residential dwellings and coverages outside of the traditional dwelling market.
Mobile and Manufactured Homes
Property and liability insurance coverage for mobile and manufactured homes.
Umbrella and CPL Insurance
Custom umbrella insurance coverage for personal lines such as homeowners, auto liability, excess and recreational vehicles.
Marine Insurance
Commercial marine insurance coverage for vessels, marinas, boat dealers, ocean cargo/domestic transit, rental, tugs, barges, marine contractors and tradesmen, yachts, Terminal and Port Operations, Domestic Transit
Admitted Personal Lines Insurance
For brokers serving individuals, families, and personal assets. We provide access to admitted personal lines markets for common residential, auto, property and personal liability needs, helping brokers or agents efficiently place coverage for their clients.
At RPS we have the ability to offer coverage from mobile homes to mansions and everything in-between.
Our large scope of Admitted Personal Lines products include:
- Affluent personal lines
- Auto
- Coastal homeowners — HO3, HO4, HO5, HO6
- Dwelling fire — DP3
- Homeowners — HO3, HO4, HO5, HO6
- Umbrella
Our Personal Lines Experts
President - Standard Lines
Making Room for the Risk Others Can’t Place
Your clients don't always fit into standard underwriting. Our Personal Lines team help you explore specialized capacity and coverage approaches for risks that require a different perspective.
Explore Related Solutions
Small Commercial Lines
Move commercial accounts from quote to placement faster, with the right coverage and terms.