Go Beyond the “Standard” Homeowners Insurance

Based on the unique characteristics of your home, we will provide options and solutions for coverage

What is “Non-standard” or Specialty Homeowners Insurance?

Have you ever had an insurance risk that couldn’t be covered by your standard homeowners policy? Or needed a higher policy limit than was offered with your coverage?

Our Specialty Homeowners insurance exists for scenarios like this, and any other case where you may not be able to receive proper coverage from a standard market policy. These policies can be used in addition to a standard homeowners policy for greater protection and gap coverage, or they may be written as a singular, comprehensive, source of coverage.

There’s a wide range of reasons why a standard policy may not be able to offer you sufficient coverage, making it worthwhile to ask: Could a Specialty Homeowners plan be a better fit for you?

What is “Non-standard” or Specialty Homeowners Insurance?

Have you ever had an insurance risk that couldn’t be covered by your standard homeowners policy? Or needed a higher policy limit than was offered with your coverage?

Our Specialty Homeowners insurance exists for scenarios like this, and any other case where you may not be able to receive proper coverage from a standard market policy.

High-value Home

These policies can be used in addition to a standard homeowners policy for greater protection and gap coverage, or they may be written as a singular, comprehensive, source of coverage.

There’s a wide range of reasons why a standard policy may not be able to offer you sufficient coverage, making it worthwhile to ask: Could a Specialty Homeowners plan could be a better fit for you?

High-value Home

Could I Benefit From Specialty Homeowners Insurance?

Other policies impose very low limits or numerous exclusions. For true peace of mind, get specialty Homeowners insurance.

Could I Benefit From Specialty Homeowners Insurance?

Talk to one of our skilled underwriters and identify coverage gaps that may require unique coverage

Your Home

High-risk circumstances

Complicated Claims History

More Coverage in One Place

Your home deserves exceptional coverage

Custom policies may be the best solution for your exceptional and specialty insurance needs, such as:

  • High-value homes
  • Luxury Items
  • Luxury or high-end vehicles
  • Other high-value assets
  • A home with security protection
  • Homes in high-risk areas

This isn’t your average insurance policy (and that’s kind of the point)

Flexible policy writing allows us to provide tailored coverage for risks that other brokers often avoid.

We’ll craft coverage for properties at high risk of natural perils such as:

  • Floods
  • Mudslides
  • Earthquakes
  • Wildfires
  • Hurricanes and more

Whatever the situation is, if you can’t get it covered somewhere else — we may be able to help.

Our hands-on approach can find the right coverage for ANYONE

As specialty brokers, we offer policies to those who have been denied insurance, have an adverse claims history, or who have had their coverage canceled in the past.

If you’ve ever been denied due to:

  • Frequent or expensive past claims
  • High risks
  • Breed of pet
  • Past plan cancellation
  • Credit score

Contact us to review your coverage options

Defend your business with reliable coverage

If you own large scale, or multi-dwelling housing establishments, you need a policy that can cover circumstances relevant to your property types

Including :

  • Single-dwelling landlords
  • Multi-unit dwellings
  • Apartment building owners
  • Condominium owners
  • Student dormitories
  • Timeshare property owners and more

If you need an insurance partner who understands the nuance & complexities of your property business — You can find the expertise you need with XINSURANCE.

Going Beyond the Standard for Property Protection

Specialty Assets & Circumstances:

Either as an addition to your standard policy or as a stand-alone comprehensive plan, specialty insurance can help you protect any number of exceptional cases.

  • Expensive homes

    which could include residences being used as either primary or secondary homes

  • Specialty home features

    including anything not included on a standard home, or a custom addition to the house. For example: a helipad, indoor sports court, swimming pool, or other custom-built features

  • Luxury items

    including possessions of great value such as jewelry, art, wine collections, coin collections, show dogs, exotic animals, and/or firearms

  • Luxury or high-end vehicles

    including any vehicle of high value, rarity, qualified as a collector’s item, etc.

  • Homes with additional security

    such as guard dogs, hired security services, and other security personnel

Covered Despite High-Risk Factors:

As specialty brokers, we’re able to provide insurance solutions and flexible underwriting to cover any number of scenarios that insurance providers typically avoid, or refuse to insure.

  • Natural disasters

    such as floods, mudslides, earthquakes, wildfires, hurricanes and more

  • High-risk areas

    where natural disasters or home damages are more likely to occur

  • Unusual risk scenarios

    that may be considered an exclusion on other policies

  • Complicated claims history

    for insureds with a past of frequent or expensive claims

  • Homes with additional security

    for insureds who have been dropped, declined, canceled, or non-renewed by an insurance provider in the past

Expertise in the Multi-Unit Property Industry

For years, XINSURANCE has built expertise in providing specialty insurance solutions across countless industries—including large scale, multi-unit dwellings, and rental properties.

Solutions for Multi-Unit Property Owners

Solutions for Mobile Home Park Owners

Solutions for Condominium Owners

Solutions for Multi-Unit Property Owners

XINSURANCE offers habitational insurance for anyone who owns a rental property or is renting out a property. This can include single-dwelling landlords, multi-unit dwellings, apartment building owners, condominium owners, hotels, and more. These types of properties are often not covered by traditional insurance policies; specialty insurance can fill the gaps.

  • Animal Liability
  • Collapse
  • Dwelling
  • Earthquakes
  • Fire
  • Flood
  • Other Structures
  • Personal Liability
  • Personal Property
  • Replacement Cost
  • True Umbrella / Excess Liability
  • Vandalism
  • Wildfires
  • Wind

Solutions for Mobile Home Park Owners

As a manager or owner of a mobile home park, you hold a lot of responsibility — but also liability when something goes wrong. From sewer backups to guest accidents, there are any number of unexpected circumstances that could result in massive financial losses.

Generally speaking, mobile home park managers could be responsible for any incidents that have to do with:

  • Common areas
  • Pools
  • Playgrounds

XINSURANCE can customize your insurance according to your types of mobile home park including:

  • Mobile home parks
  • Mobile home parks with RV spaces
  • Manufactured home communities

We have an all-in-one approach for mobile home park insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. See a list of examples

Solutions for Condominium Owners

If owning one housing unit can bring on a lot of financial risk, owning multiple only increases the need for truly comprehensive insurance protection. If you own condos or any form of multi-dwelling housing, you should consider additional insurance in order to be properly covered.

A policy through XINSURANCE can cover categories such as:

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

A specialty policy can provide comprehensive protection for:

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

Why XINSURANCE is Different

We cover what other providers won’t

Hands-on

XINSURANCE is a partner, as well as an insurance broker. When the unexpected occurs, we provide solutions, support, and a strong defense whenever necessary.

Unique risks

We offer cost-effective solutions for consumers that are not “one-size-fits-all,” but are skillfully tailored to meet specific needs for non-standard risks.

Flexible underwriting

Our underwriting team brings you over 40 years of experience, along with the ability to customize limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

Covering a Wide Range of Risks

XINSURANCE can handle unique and hard-to-place risks because we can react to market changes quickly, and accommodate the unique needs that traditional insurance companies can’t cover.

Where Standard Policies Fall Short

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.

How our policies are different:

  • larger limits
  • tailored coverage
  • negotiated deductibles
  • a bundle of endorsements

Talk to one of our skilled underwriters and identify coverage gaps that may require unique coverage

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