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
RHP General Agency is a Texas-focused residential property MGA writing through independent agents, aimed at homes that do not qualify for conventional/admitted markets. Publicly posted program guidance shows personal residential property products including Dwelling Fire (TDP-1), Homeowners-A, and Homeowners A+. Verified product detail is strongest for Texas TDP-1 and Texas HO-A. Preferred business appears to be non-standard residential property risks placed by retail agents, including owner-occupied homes and certain secondary, seasonal, and tenant exposures under the TDP-1 program. TDP-1 highlights: Texas Fire & Extended Coverage form; dwelling limits from $50,000 to $400,000; optional contents up to 30% of dwelling limit for owner-occupied risks and up to $5,000 for tenant-occupied risks; eligible occupancies include owner, tenant, secondary, and seasonal; water coverage available up to $5,000; liability available up to $100,000; theft available for owner-occupied risks; scheduled properties accepted. HO-A highlights: Texas HO-A policy form with dwelling, personal property, and liability; theft coverage; dwelling limits up to $400,000; glass breakage available; water coverage available up to $5,000; partial loss settlement available for risks above $75,000 and built after 1980; theft available for owner-occupied risks. Restricted/declined classes are not presented as a full public appetite guide, but posted forms indicate at least some underwriting restriction around theft being limited to owner-occupied risks, and a trampoline exclusion form is publicly available for Texas TDP-1, suggesting trampoline exposures are restricted or handled by endorsement. Geography: verified public guidance is specifically Texas, with agent login and payment references labeled Texas and policy forms tied to Southern Vanguard Texas programs. Carrier/program note: HO-A is shown as written on Southern Vanguard Insurance Company, rated A- by AM Best. Submission/servicing expectations: policy changes and cancellation requests are directed to RPS.Houston2.Underwriting@RPSins.com; downloadable resources include no-loss forms, insured request to change dwelling value, cancellation forms, payment authorization, and consumer bill of rights documents. Broker/producer notes: business is written through independent agents; new agent onboarding requires a valid property & casualty license, W-9 with SSN or FEIN, and E&O coverage with a $1 million minimum per-occurrence limit. New agents are instructed to use the myRPS onboarding process and specify interest in the Texas Dwelling Fire & Homeowners programs, then complete agency sweep/direct-deposit setup for commissions and account sweep functionality. No standalone public appetite guide with comprehensive declined classes was verified; the forms page is the best confirmed underwriting resource.