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 appetite is focused on Texas residential property that often falls outside admitted/standard markets, written via Southern Vanguard Insurance Company. Products shown on the public site are Dwelling Fire (TDP-1), Homeowners-A (HO-A) and Homeowners A+; all references and forms are Texas-specific. Preferred / target business - Texas residential risks needing nonstandard property solutions, including owner, tenant, secondary and seasonal dwellings. - Dwelling Fire TDP-1: Texas Fire & Extended Coverage form written on dwellings from $50,000 up to $400,000. Contents coverage optional up to 30% of the dwelling limit for owner-occupied risks and up to $5,000 for tenant-occupied risks. Water coverage available up to $5,000, liability up to $100,000, with optional theft for owner-occupied risks and scheduled personal property. Multiple payment plan options, and credit/debit/EFT are accepted.([rhpga.com](https://rhpga.com/dwelling-fire)) - Homeowners-A (HO-A): Texas HO-A policy form including dwelling, personal property, liability and theft. Dwelling limits available up to $400,000, with optional glass breakage and water coverage up to $5,000. Partial loss settlement option available for risks with Coverage A above $75,000 and built after 1980. Multiple payment plan options; credit/debit/EFT accepted. Policy is written on Southern Vanguard Insurance Company paper (A- by AM Best).([rhpga.com](https://rhpga.com/homeowners-a)) Geographic / catastrophe notes - Program is explicitly Texas-only based on product and forms references. All online payment, agent login, and forms are labeled Texas; no other states are referenced.([rhpga.com](https://rhpga.com/forms)) - Home page includes an agent alert that risks in first-tier Texas coastal counties are subject to a full wind restriction with at least a 10-mile setback from the coast. Treat coastal property as highly restricted for wind/hail coverage; confirm exact eligibility and wind options in Silvervine PTS or with underwriting.([rhpga.com](https://rhpga.com/)) Restricted / declined characteristics (inferred from forms and notes) - Trampoline Exclusion form is available among standard forms, indicating trampolines are typically excluded and may be considered an underwriting concern or required exclusion on many risks.([rhpga.com](https://rhpga.com/forms)) - Underwriting FAQ notes that for duplex addresses, RHP insures the entire building and not just part of a duplex, implying partial-building or single-unit-only placements in a multi-unit structure are not acceptable.([rhpga.com](https://rhpga.com/agent-faqs)) - Because programs are tied to Southern Vanguard Texas forms (TDP-1, HO-A, HO-A+), risks outside Texas or not fitting these form types should be considered out of appetite. Submission / processing expectations - All rating, quoting and policy issuance are done through the Silvervine PTS platform for Texas agents; logins are provided by email and reset by calling the RHP office.([rhpga.com](https://rhpga.com/agent-faqs)) - Policy changes and cancellation requests should be emailed to RPS.Houston2.Underwriting@RPSins.com per both product pages.([rhpga.com](https://rhpga.com/dwelling-fire)) - Agent commission can be paid via direct deposit; agents must complete the Direct Deposit form available under the Agents tab. Agency fees up to $125 per policy can be billed and remitted with commissions per FAQs.([rhpga.com](https://rhpga.com/agent-faqs)) - Payments: consumer EFT/credit card payment authorization and various insured request/change forms are provided in the Forms section; use these when setting up EFT or making dwelling value changes, policy notes, or confirming no-loss statements.([rhpga.com](https://rhpga.com/forms)) Broker / producer notes - RHP operates as a managing general agency and an RPS company. All correspondence, endorsements and underwriting questions route through the RPS Houston underwriting email.([rhpga.com](https://rhpga.com/)) - New agents must be appointed; prospective agencies are directed to the “Become an Agent” link to initiate the relationship.([rhpga.com](https://rhpga.com/dwelling-fire)) - Claims: as of March 1, 2025, all claims handling is by Southern Vanguard Insurance Company; agents and insureds should report new claims using the Southern Vanguard contact number, email, or website listed on the RHP home and FAQ pages.([rhpga.com](https://rhpga.com/)) No detailed, public risk-class exclusion list or full underwriting manual is posted; appetite and restrictions above are inferred from product descriptions, standard forms, and coastal wind alert messaging. For borderline risks or non-standard features (e.g., trampolines, coastal CAT exposure, unusual occupancies), agents should email underwriting for clearance before binding.