Specialty Homeowners Insurance

True Peace of Mind When You Invest in Better Insurance for Your Home
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Protecting Your Unique Home with TRU Homeowners Insurance

Customized coverage for homeowners regardless of where your home is located. That includes damages due to floods, wind, wildfires, earthquakes, and more.

This Isn't Your Average Homeowners Insurance

Do you have an insurance risk that isn’t covered by your standard homeowners policy? Or your current policy limits aren’t sufficient to cover the value of your home?

Our Specialty Homeowners Insurance solutions, aka TRU Homeowners, exists to provide true peace of mind in scenarios like these.

Flexible underwriting allows us to provide tailored solutions with higher limits for situations that insurance companies often avoid. Our highly custom approach means we can help you identify the best coverage for any exceptional, specific insurance needs.

A TRU Homeowners policy could be used in addition to a standard homeowners policy for greater protection and gap coverage, or it may be written as a singular, comprehensive source of coverage.

What We Can Provide Coverage Solutions For

  • Homes in High-Risk Areas
  • High-Value Homes
  • Homes With Security
  • Homes That Can’t Find Necessary Coverage
  • Luxury Items
  • Frequent or Expensive Past Claims
  • Luxury or High-End Vehicles
  • Condominium Owners
  • Other High-Value Assets
  • Mobile Home Owners
  • And More!
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TRU Homeowners Insurance Coverage Options

Other Structures

Can provide protection for structures on your property that are not directly attached to your primary dwelling, such as detached garages, sheds, fences, guesthouses, and more.


Can provide protection for the physical structure of your home, including the walls, roof, floors, and built-in features like plumbing and electrical systems.

Personal Liability

Can provide financial protection in case you are held legally responsible for third party bodily injury or third party property damage, and they decide to file a claim or lawsuit against you.

TRU Umbrella

Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.

Specialty Home Features

Specific coverage for 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

Personal Property

Safeguards your scheduled, personal belongings inside or outside your property in case they are damaged, destroyed, or stolen due to covered perils. This can include valuable items like jewelry, art, firearms, or collections.

Loss of Use

If your home becomes uninhabitable due to a covered event, this coverage helps with additional living expenses, such as temporary accommodation.

Natural Disasters

Including coverage for often excluded disasters such as floods, mudslides, earthquakes, wildfires, wind, and more.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a pet dog or exotic animal. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Homes With Additional Security

Coverage for homes with security such as guard dogs, hired security services, armed security guards, and other security personnel or services.

Unusual Risk Scenarios

Insurance for natural disasters that may be considered an exclusion on other policies. For example, we have coverage solutions for roofs that are 10 years old and over

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FAQ About Specialty Homeowners Insurance

What Is Specialty Homeowners Insurance?

Specialty Homeowners Insurance, sometimes referred to as 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!

What Is The Difference Between TRU Homeowners Insurance and Homeowners Insurance?

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

Other homeowners insurance policies have gaps and exclusions that leave you exposed. Common exclusions nowadays include floods, wind, wildfires, and earthquakes, but they can be covered through XINSURANCE’s TRU Homeowners Insurance solution.

Is TRU Homeowners Insurance Available In My State?

XINSURANCE provides specialty insurance solutions for businesses and individuals in all 50 states. Yes, we can provide a TRU Homeowners Insurance solution in your state, even in places like Florida and California where it is harder to obtain proper coverage.

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

We can assist almost anyone looking for essential insurance protection — you don’t have to let a lengthy claims history or other challenges leave you without insurance. Our team of experienced underwriters can find a workable solution for your situation.

Do You Provide Insurance For Mobile or Manufactured Homes?

We provide homeowners insurance solutions for mobile and manufactured homes as well as mobile home parks. Owning a mobile home comes with its own unique set of risks and challenges. You deserve an insurance partner that understands your specific insurance needs. Contact us or complete a quote request to find out more about our coverage solutions for mobile home owners.

How Much Does TRU Homeowners Insurance Cost?

The cost of TRU Homeowners insurance varies widely depending on factors such as the size and value of your home, the location, if you have any special features, previous claims history, etc. Once we learn more about you and your home, we can provide a quote with an estimated cost.

What Coverage Do I Need For My Specialty Homeowners Policy?

The type of coverage needed for specialty homeowners insurance will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and your home. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

When Your Home Is At Risk, You Need a True Insurance Partner

Flexible underwriting allows us to provide custom coverage solutions for high risks that insurance companies often avoid. Beyond that, we believe in the lasting power of comprehensive, high-quality insurance that can provide genuine peace of mind when disaster strikes.

Contact us to explore coverage options for properties at high risk of natural perils such as floods, mudslides, earthquakes, wildfires, hurricanes, and more.

Know the Facts

Over half of U.S. homeowners don’t carry adequate insurance to replace their home and its contents in a catastrophic loss.

2022 is the 8th consecutive year in which 10 or more billion-dollar weather and climate disaster events have impacted the U.S. (18 such events in 2022).

The personal lines segment (personal auto and homeowners) incurred an estimated underwriting loss $34.9 billion for 2022, nearly tripling the prior-year level.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service