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Non-Standard Homeowners Insurance is for homeowners who can not get a homeowners policy in the standard or admitted market. If you have been denied or canceled coverage by another insurance company, we may be able to help! This is not your average homeowners policy, which is why you have come to us.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can fill the gaps and cover the exclusions in your existing insurance policy that other insurance companies can’t or won’t provide. Whatever you need, we can help to find the best insurance solution for you!

non standard home insurance
non standard home insurance


Do I Need Non-Standard Home Insurance?

The short answer? If you can’t get homeowners insurance from another insurance company, then you probably need to get non-standard home insurance.

There are a lot of possibilities as to why you might need non-standard homeowners insurance. Here are some examples and scenarios:

  • If you have a lot of claims on your homeowners insurance or a history of loss
  • If you live in an area that has a high risk of fires or other weather-related incidents
  • If you have a high-value home
  • If you have a home with non-standard construction
  • If you have a mobile home
  • If you have a vacant home or property
  • If you do not qualify for insurance coverage with an admitted insurance company

Whatever the situation is, if you’re struggling to find homeowners insurance, let us see if we can help you!

What is Excess and Surplus Lines or 'Non-Standard'?

This is answered in our FAQ page, copied below:

Think of it this way- insurance policies such as car insurance are standard one-size-fits-all. Excess & Surplus Lines, or E&S, is the opposite. It is custom tailored policies to meet YOUR needs. Flexible underwriting (policy writing) allows us to customize a solution best suited for you, your business, or your activities.

The surplus lines market plays a key role in providing insurance for hard-to-place, unique or high capacity (i.e., high limit) risks. Surplus lines insurers can cover unique and hard-to-place risks because they can react to market changes and accommodate the unique needs of insureds who are unable to obtain coverage from traditional insurance companies. This results in cost-effective solutions for consumers that are not “one-size-fits-all,” but are skillfully tailored to meet specific needs for non-standard risks. Because surplus lines are traditional insurers, the insurance is not issued by an insurance company regulated by the state where the insurance is issued, nor is it protected by any state insurance guarantee fund.


XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide true umbrella coverage.

Why Should You Choose Us for Non Standard Homeowners Insurance?

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

Thanks to our approach with customized policies, you can be reassured that the coverage solutions you receive from XINSURANCE will be sufficient for your requirements.

How To Get A Quote for Non-Standard Home Insurance

Get your free non-standard homeowners insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.


What is Condo Insurance?

XINSURANCE’s condo insurance solutions can cover what your HOA won’t.  Condominium insurance is also known as an HO6 policy, and it protects your individual condo unit against certain losses.

What Can Condominium Insurance Protect?

Our condo insurance coverage solutions can protect:

  • The interior of your unit including the floor
  • Interior walls
  • Cabinetry
  • Sinks
  • Tiling
  • Permanent fixtures
  • Other items pertaining to the condo’s interior

Available Coverages for Condos

Your condo insurance policy can have coverage for the following categories:

  • Condo dwelling
  • Owner’s personal property
  • Loss of use
  • Premises liability

Typically, the dwelling and property coverage for a condo will cover a defined list of “named perils” such as fire, hail, theft, and vandalism. Additional coverage can be added:

  • Flood and earthquake
  • Burglary
  • Wind and hail coverage
  • Weather-related perils
  • Excess personal liability

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