Specialty Homeowners Insurance

Specialty homeowners insurance, sometimes called nonstandard homeowners insurance or at-risk property insurance, is for homeowners who can’t get a homeowners policy in the standard or admitted market. You may need it for various reasons, such as a high-risk property or a high-value home. If you have been denied or canceled coverage by another company, we may be able to help!

TRU Homeowners Insurance is exclusive to XINSURANCE. It is our solution to the struggling homeowners insurance market, especially in coastal areas like Florida and California. It is available in all 50 states and offers coverage solutions, so when a storm hits, you’ll have XINSURANCE to help you every step of the way.

Other policies have gaps and exclusions that leave you exposed. Standard exclusions include floods, wind, wildfires, and earthquakes, but you can find coverage solutions through XINSURANCE’s All-In-One TRU Homeowners Insurance solution.

Rick J. Lindsey, President and CEO of XINSURANCE, says, “Wildfires and other insurance events require a partnership. Do it right so that when what can happen does happen, we deal with it and continue to provide insurance solutions as your partner! Only XINSURANCE is offering a TRU solution. Do you want cheap, fake insurance or an XINSURANCE partnership that makes customers happy?”

XINSURANCE provides specialty coverage solutions for property owners throughout the 50 states, including places like Florida and California, where proper coverage is harder to obtain.

We can help you even if you have difficulty obtaining insurance elsewhere. Many individuals and businesses come to us after they’ve been nonrenewed or canceled by another provider or when they’ve had an application for coverage rejected.

We can assist almost anyone looking for essential protection — even those with a lengthy claims history or other challenges. Our team of experienced underwriters can find a workable solution for your situation.

We identify solutions for mobile and manufactured homes and mobile home parks. Owning a mobile home comes with unique risks and challenges, such as greater susceptibility to damage in natural disasters.

You deserve a partner that understands your specific needs. Complete a quote request to learn more about our coverage solutions for mobile homeowners.

Traditional insurance companies may consider a home high-risk for many reasons, making it challenging to get homeowners insurance. For example, in areas prone to natural disasters, local insurers may refuse to accept new applications or decide to stop covering damage caused by floods, wildfires, hurricanes, or other events. Homes may also be considered high-risk if they’re located in high-crime areas.

Similarly, homes with unique, custom-built features may fall under the high-risk category. Characteristics of the homeowner may also influence the difficulty of finding coverage. A high claims history, past criminal convictions, or previous refusal of insurance all fall under personal circumstances.

Homes left empty for extended periods also have a higher risk because issues like leaks could go undetected for a long time. This category includes vacation homes or any property left unattended for 30 days or more.

If traditional companies have turned you away because you or your home is considered high-risk, we’re here for you! We help homeowners find comprehensive solutions for their high-risk property, as well as peace of mind.

You receive a unique quote based on the size and value of your home, the location, any special features, previous claims history, and other details. We’ll learn the specifics about you and your home to provide a quote with an estimated cost.

If you’re wondering how much more expensive high-risk homeowners insurance is than regular insurance, the cost varies depending on the features mentioned above. Nonstandard insurance solutions often come with more protection against events like natural disasters, making them worth the cost.

The type of specialty homeowners coverage you need depends on your unique risks. A few common elements of a specialty solution include:

• Dwelling coverage
• Personal liability coverage
• Property coverage

Other forms of coverage are unique to your particular property. For example, you may seek natural disaster coverage in areas prone to flooding or wildfires. Properties with special home features or additional detached structures may benefit from tailored solutions for those areas.

XINSURANCE doesn’t offer a one-size-fits-all solution. Instead, we get to know you and your home to create a solution that meets your needs. This approach lets you choose your coverage level.

You can easily begin the claim-filing process online to report a claim or incident. We’ll simplify the process, offer support, and ensure we answer all your questions.