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?
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 could be a better fit for you?
Other policies impose very low limits or numerous exclusions. For true peace of mind, get specialty Homeowners insurance.
Your Home
High-risk circumstances
Complicated Claims History
More Coverage in One Place
Custom policies may be the best solution for your exceptional and specialty insurance needs, such as:
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:
Whatever the situation is, if you can’t get it covered somewhere else — we may be able to help.
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:
Contact us to review your coverage options
If you own large scale, or multi-dwelling housing establishments, you need a policy that can cover circumstances relevant to your property types
Including :
If you need an insurance partner who understands the nuance & complexities of your property business — You can find the expertise you need with XINSURANCE.
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.
which could include residences being used as either primary or secondary homes
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
including possessions of great value such as jewelry, art, wine collections, coin collections, show dogs, exotic animals, and/or firearms
including any vehicle of high value, rarity, qualified as a collector’s item, etc.
such as guard dogs, hired security services, and other security personnel
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.
such as floods, mudslides, earthquakes, wildfires, hurricanes and more
where natural disasters or home damages are more likely to occur
that may be considered an exclusion on other policies. For example, we have coverage solutions for roofs that are 10 years old and over.
for insureds with a past of frequent or expensive claims
for insureds who have been dropped, declined, canceled, or non-renewed by an insurance provider in the past
See the facts about the property and casualty insurance market in 2022:
For years, XINSURANCE has built expertise in providing specialty insurance solutions across countless industries—including large scale, multi-unit dwellings, and rental properties.
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.
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:
XINSURANCE can customize your insurance according to your types of mobile home park including:
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
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:
A specialty policy can provide comprehensive protection for:
XINSURANCE is a partner, as well as an insurance broker. When the unexpected occurs, we provide solutions, support, and a strong defense whenever necessary.
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.
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.
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.
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.