RHP General Agency
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational snapshot based on currently published materials; detailed risk‑class underwriting and eligibility grids appear to be distributed via agent login and PDF guidelines, not fully exposed on the public site. PREFERRED / TARGET BUSINESS - Residential property risks in Texas that do not qualify for standard or conventional markets, written via Southern Vanguard Insurance Company (A- AM Best). The MGA emphasizes “common sense underwriting” and a user‑friendly agent environment.([rhpga.com](https://rhpga.com/)) - Dwelling Fire (TDP‑1) program: - Texas Fire & Extended Coverage form.([rhpga.com](https://rhpga.com/dwelling-fire)) - Dwellings with Coverage A limits from $50,000 up to $400,000. - Occupancy types: owner‑occupied, tenant‑occupied, secondary, and seasonal. - Optional coverages: contents (owner‑occupied up to 30% of dwelling limit; tenant‑occupied up to $5,000), water coverage up to $5,000, liability up to $100,000, theft for owner‑occupied, and scheduled personal property. - Multiple payment plan options; credit/debit and EFT accepted. - Homeowners‑A (HO‑A) program: - Texas HO‑A policy form written on Southern Vanguard Insurance Company paper (A‑ AM Best).([rhpga.com](https://rhpga.com/homeowners-a)) - Package includes dwelling, personal property, liability, and theft coverage. - Dwelling limits up to $400,000. - Optional glass breakage and water coverage up to $5,000. - Partial Loss Settlement available for risks with Coverage A above $75,000 and built after 1980. - Multiple payment plan options; credit/debit and EFT accepted. RESTRICTED / DECLINED & RISK NOTES (PUBLICLY AVAILABLE) - Coastal Texas wind exposure: public “Agent Alerts” note that risks located in first‑tier Texas coastal counties are subject to a full wind restriction of at least 10 miles from the coast. This effectively restricts wind coverage and requires agents to manage expectations and placements for properties very near the shoreline.([rhpga.com](https://rhpga.com/)) - Trampoline exposures: a specific ‘Trampoline Exclusion’ endorsement form (DL601 0908) is listed in the Southern Vanguard Texas TDP‑1 forms library, indicating trampolines are commonly excluded or tightly controlled; agents should expect underwriting concern around premises liability with trampolines and use the exclusion where required.([rhpga.com](https://rhpga.com/forms)) - Duplex/2‑unit risks: Agent FAQ confirms that they insure the entire building, not just part of a duplex, and provides address‑entry instructions. Operationally, partial‑structure placements are not acceptable; the full building must be insured under the policy.([rhpga.com](https://rhpga.com/agent-faqs)) - Broader detailed eligibility (age of home beyond partial loss rule, protection class/ISO, prior losses, construction type, vacancy, farm/farm‑ranch, etc.) is not fully outlined in public text. However, the marketing narrative emphasizes non‑conventional/"low‑value" Texas dwellings and manufactured/other specialty homes through associated programs, so agents should assume stricter appetite for standard preferred HO and more flexibility for sub‑standard or otherwise hard‑to‑place dwellings.([rhpga.com](https://rhpga.com/about?utm_source=openai)) GEOGRAPHIC NOTES - Core geography: Texas residential property, with emphasis on risks that do not qualify for conventional markets; Southern Vanguard is domiciled in Texas and provides the admitted paper used for these programs.([rhpga.com](https://rhpga.com/about?utm_source=openai)) - Public forms library filters explicitly reference ‘Southern Vanguard Texas TDP‑1’ and ‘Southern Vanguard Texas HO‑A’, confirming Texas‑only footprint for these specific products. - Coastal first‑tier Texas counties are subject to the wind‑restriction rule noted above; properties within 10 miles of the coast cannot have full wind coverage under the standard program and may require separate or surplus lines solutions.([rhpga.com](https://rhpga.com/)) SUBMISSION & POLICY HANDLING REQUIREMENTS (PUBLICLY STATED) - Platform: All rating/quoting/issuance appears to run through the Silvervine PTS platform (accessible via Agent Login – Texas). Agents receive login credentials via email and must contact RHP to reset passwords if needed.([rhpga.com](https://rhpga.com/agent-faqs)) - Applications/Forms: Downloadable policy forms, consumer bill of rights, change‑request forms, and other documentation are available under the Forms page, segregated by program (Southern Vanguard Texas TDP‑1, HO‑A) and ‘Guidelines’ category. Agents should pull current guidelines and required endorsements (e.g., trampoline exclusion, glass, additional insured) from this library for each submission.([rhpga.com](https://rhpga.com/forms)) - Policy changes & cancellations: Must be sent to the underwriting email RPS.Houston2.Underwriting@RPSins.com; this applies across Dwelling Fire and HO programs and is called out repeatedly on product and contact pages.([rhpga.com](https://rhpga.com/dwelling-fire)) - Claims handling: Effective March 1, 2025, all claims are handled directly by Southern Vanguard Insurance Company. New claims should be reported to Southern Vanguard via phone, email (Claims@svicins.com), or their website; RHP’s site links to the SVIC claim portal accordingly.([rhpga.com](https://rhpga.com/)) - Premium payment handling: Multiple payment plans are available with options for credit, debit, and EFT payments. EFT/Credit Card Payment Authorization forms are provided in the forms library. Agency sweep and direct‑deposit commission options are accessible through the ‘Agency Sweep & Direct Deposit’ and direct‑deposit form links.([rhpga.com](https://rhpga.com/dwelling-fire)) BROKER / PRODUCER OPERATIONAL NOTES - Access: New agents must be appointed; the site provides a ‘Become an Agent’ workflow for interested producers. Carriers and forms are accessed via the secure portal after onboarding.([rhpga.com](https://rhpga.com/dwelling-fire)) - Communication channels: - Underwriting & endorsements: RPS.Houston2.Underwriting@RPSins.com. - Accounting/billing: RPS.Houston2.Accounting@RPSins.com. - General customer service: phone 888‑432‑9393 or 713‑621‑9393 during business hours. - Addressing multi‑unit risks (e.g., duplexes): Agents must code the address to show all unit numbers but understand that coverage is for the entire building; partial‑unit coverage is not permissible under standard guidelines. - Fees: Agent FAQ notes an agency fee is allowed and will be billed and remitted through RHP; agencies can charge up to $125 per policy, collected by RHP and paid through monthly commission statements. This should be disclosed to insureds and set within the system when quoting.([rhpga.com](https://rhpga.com/agent-faqs)) - Farm & Ranch: An ‘Agent Alert’ promotes contacting a specific RPS contact for Farm & Ranch markets, signaling that some farm/ranch property may be written via other RPS programs rather than core RHP forms; agents should coordinate with the named RPS contact when encountering farm/ranch risks.([rhpga.com](https://rhpga.com/)) PRACTICAL TAKEAWAYS FOR UNDERWRITERS & PRODUCERS - Focus RHP placements on Texas dwellings up to $400,000 Cov A that are not readily acceptable in standard markets, using TDP‑1 for dwelling fire and HO‑A for owner‑occupied home policies. - Avoid or separately place wind on first‑tier coastal Texas properties, especially within 10 miles of the shoreline, aligning with the public wind‑restriction alert. - Do not attempt partial‑structure placements (e.g., one side of a duplex); quote the entire building. - Apply trampoline exclusions and other hazard‑specific endorsements consistent with forms library and internal guidelines. - Submit and service all policies through Silvervine PTS, routing changes/cancellations to the RPS Houston underwriting email, and send claims directly to Southern Vanguard effective March 1, 2025. - For detailed eligibility (age of home, PC, vacancy, prior loss thresholds, etc.), rely on secure ‘Guidelines’ PDFs within the Forms area and any additional guidance circulated by RHP/RPS, as these are not fully visible on the public website.