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. Current published products are Dwelling Fire (TDP-1), Homeowners-A (HO-A), and Homeowners A+ under Southern Vanguard Insurance Company. Published limits/features indicate: HO-A dwelling limits up to $400,000; HO-A+ dwelling limits from $150,000 to $300,000; HO-A includes dwelling, personal property, liability, theft, optional glass breakage, and water coverage up to $5,000; HO-A+ includes dwelling, personal property, liability, theft, optional glass breakage, water coverage up to $10,000, roof replacement cost for roofs up to 10 years old, augmented partial loss for older roofs, deductibles up to 5%, and Full/X-Wind options. HO-A theft is specifically shown as available for owner-occupied risks. Forms library confirms active Texas Southern Vanguard programs for TDP-1, HO-A, and HO-A+ and includes guideline/form categories, liability endorsements, trampoline exclusion, no-flood disclosure, and consumer bill of rights forms, which suggests underwriting attention to premises liability hazards and flood disclosure. Geographic note published on the homepage: risks in first tier Texas counties are subject to a full wind restriction of at least 10 miles from the coast. HO-A+ is only available in certain geographic areas. Flood on HO-A+ is advertised as available with no waiting period when there is proof of continuous prior flood coverage; no elevation certificate is needed per the product page. Submission/broker notes: business is written through a network of independent agents; producers seeking access must complete myRPS onboarding, request access to the Texas Dwelling Fire & Homeowners programs, hold a valid P&C license, provide a W-9, and maintain E&O with at least $1 million per occurrence. After onboarding and receipt of an RPS agent code, agents must complete agency sweep/direct deposit setup for commissions and optional account sweep authority. Operational contact guidance published by RHP routes policy changes and cancellation requests to RPS.Houston2.Underwriting@RPSins.com. No single detailed appetite guide with explicit declined classes was found on the verified official site; however, published forms and product notes indicate scrutiny around coastal wind, flood disclosure/eligibility, and liability exposures such as trampolines.