Specialty Homeowners Insurance

A TRU Homeowners Policy That Actually Provides The Coverage Your Clients Need

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Specialty Homeowners Insurance: A TRU Homeowners Solution

Prime Insurance Company offers a TRU Homeowners insurance policy that offers all-in-one, TRU insurance solutions. This unique insurance policy can cover wind, floods, wildfires, earthquakes, and more, all under one policy. The Prime team works diligently to help property owners in need, such as homeowners in high-risk areas, high-value homes, mobile home owners, and more.

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients in need of specialty homeowners insurance then Prime Insurance Company is the partner for you. Some individuals and families need specialty insurance coverage and as a leading excess and surplus lines insurance company, Prime can write a TRU Homeowners insurance policy with confidence.

Prime can help your clients even if they’ve been canceled, denied, or non-renewed insurance in the past or have a claims history. We can insure individuals and families that live on the coast or anywhere else in the United States. Whether they need a brand new policy or if they have gaps and exclusions in their current homeowners policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best specialty homeowners insurance providers out there. Many companies that say they offer specialty homeowners insurance are turning away individuals and businesses that are deemed too risky or have too many claims, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a TRU Homeowners policy that ensures maximum protection.

(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients.

This includes homeowners that live in the United States, including those that live on the coast and deal with a lot of weather-related incidents.

If your client is unable to get homeowners insurance or proper coverage from the standard market, then Prime can step in and fill the gaps and provide the coverage they need.

Coverages (listed A-Z)

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


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Specialty homeowners insurance is our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

The Unique Need For Specialty Homeowners Insurance

There are many reasons why your client might need specialty homeowners insurance. If they are unable to acquire homeowners insurance from the standard or admitted market, then they might need help from an excess and surplus lines insurance company like Prime.

Fire is the most basic peril and not a problem at all for Prime. Insureds are finding basic coverages like fire, vandalism, collapse, etc. with other carriers are not included. Prime can step in and fill those gaps.

Here are some examples or scenarios of why your client(s) might need a TRU Homeowners insurance policy from Prime:

  • They have a lot of claims on their current homeowners insurance or a history of loss
  • They live in an area that has a high risk of fires, floods, earthquakes, etc.
  • They have a high-value home
  • They have a home with non-standard construction
  • They have a mobile home
  • They have a vacant home or property
  • They simply can’t find the coverage they need

The Insurance Information Institute said 1 in 20 insured homes has a claim each year and note that this statistic is for all homes, not just the ones considered higher risk. Whatever the situation is, if your client can’t find the right homeowners insurance, let us see if we can help them!

Excess and Surplus Homeowners Insurance Providers and Prime Insurance

Looking for the best excess and surplus homeowners insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating® must be verified by visiting www.demotech.com.

Get A 'TRU Homeowners Insurance' Quote

Prime Insurance Company provides fast quotes 24/7. Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your TRU Homeowners insurance quote today by clicking the “Get a Quote!” button above.

Insurance for Many Types of Properties

Prime Insurance Company can do property insurance for properties of many types including multi-dwellings, condos, homeowners, mobile homes, etc. We understand the unique risks these properties have such as wildfires, sinkholes, earthquakes, hurricanes, and more. Unlike most insurance companies, we also have coverage options for roofs that are 10 years old and over. See below for more details on what Prime can offer.

About Prime's Condo Insurance

Let Prime’s Condo Insurance cover what your client’s HOA won’t cover.  Condominium insurance is also known as an HO6 policy, and it protects your client’s individual condo unit against certain losses. Coverage can be purchased on a Basic, Broad, or Special form, and the Valuation can be based on Functional Value, Agreed Value, ACV (actual cash value), or RC (replacement cost), including 80% or 90% coinsurance.

What Does Condo Insurance Protect?

Condo insurance coverage 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

What Coverage Does Condo Insurance Provide?

Our condo insurance policy provides coverage for the following categories:

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


Usually, 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

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.