RHP General Agency, Inc.

What RHP General Agency, Inc. does

RHP General Agency, Inc. is a Texas-licensed Managing General Agency (MGA) that underwrites and distributes non-standard residential property insurance through a network of independent insurance agents. Operating primarily in Texas with a secondary Arizona presence (manufactured home product), RHP focuses on properties that do not qualify for coverage in conventional markets, offering Dwelling Fire (TDP-1), Homeowners-A (HO-A), and an enhanced Homeowners A+ (HO-A+) tier with dwelling limits ranging from $50,000 to $400,000. The majority of Texas premium is underwritten by Southern Vanguard Insurance Company (A.M. Best A-); the company additionally accesses Lloyd's of London capacity (approved 2019) and surplus lines via AU Gold for Vacant, Builders Risk, and DP-3 products.

RHP's core technology is the third-party Silvervine PTS platform, which provides agents with policy administration, declaration retrieval, payment processing, and commission management, while policyholders access online and IVR phone payment options. The agent onboarding model requires valid P&C licensure, W-9 documentation, and $1 million minimum E&O coverage, enforcing a quality-controlled distribution channel. Claims handling for Texas and Arizona policies was transitioned in March 2025 to Southern Vanguard Insurance Company directly.

The company earns revenue primarily through insurance commissions on new business and renewals written through independent agents, supplemented by policy fees and an agency fee pass-through mechanism (capped at $125 per policy). RHP operates under a recurring commission model with monthly billing cadence. Since January 2014, RHP was owned by private investors led by Cory Moulton and Omena Partners, LLC; in 2023, the company was acquired by Gallagher Insurance under its Risk Placement Services (RPS) division and now operates as "RHP General Agency, Inc. an RPS Company," with headquarters in Waco, Texas.

Name

RHP General Agency, Inc.

Legal name

RHP General Agency, Inc.

Website

https://rhpga.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

RHP General Agency is a Texas-licensed Managing General Agency that underwrites non-standard residential property insurance (Dwelling Fire, Homeowners-A, HO-A+) through independent agents in Texas and Arizona, backed by Southern Vanguard Insurance Company and Lloyd's capacity.

Ownership category

akta.pro rank

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commissions: RHP earns commissions from insurance policies written through its network of independent agents. Commissions are paid on new business and renewals.
2. Agency Fee Pass-Through: Agencies may charge insured clients a fee up to $125 per policy, which RHP bills with the payment plan and remits to the agency on the monthly commission statement.
3. Policy Fees: Fees charged to cover expenses associated with issuing policies, in lieu of rate increases.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

RHP General Agency, Inc. is a Texas-licensed Managing General Agency that writes residential property insurance through a network of independent insurance agents. The company's core focus is on providing coverage for properties that do not qualify for coverage in conventional insurance markets, delivered through its Dwelling Fire (TDP-1), Homeowners-A (HO-A), and Homeowners A+ (HO-A+) products underwritten by Southern Vanguard Insurance Company. RHP also distributes manufactured home coverage in Arizona and surplus lines products (Vacant, Builders Risk, DP-3) through AU Gold, with Lloyd's market access for additional capacity.

Product overview

RHP General Agency, Inc. is a licensed Managing General Agency writing residential property insurance through independent insurance agents. The company focuses on properties that don't qualify for coverage in conventional markets, emphasizing common sense underwriting. Their core product portfolio consists of three main insurance products: Dwelling Fire (TDP-1) for Texas fire and extended coverage on dwellings from $50K to $400K; Homeowners-A (HO-A) providing dwelling coverage up to $400K with water and theft protection; and Homeowners A+ (HO-A+) offering enhanced coverage from $150K to $300K with replacement cost options and flood coverage. All policies are underwritten by Southern Vanguard Insurance Company (A.M. Best rated A-). The company also provides agent-facing tools including Silvervine PTS for policy management and a policyholder self-service portal for online payments, claims filing, and document requests.

Differentiator

Problem solved

Functional benefit

Products and services

• Dwelling Fire (TDP-1) Texas Fire & Extended Coverage Form providing dwelling coverage from $50,000 to $400,000 with optional contents coverage up to 30% of dwelling limit for owner occupied and up to $5,000 for tenant occupied. Supports owners, tenant, secondary, and seasonal occupancy types with liability up to $100,000. For non-standard residential property risks in Texas that do not qualify for coverage in conventional markets, distributed through independent P&C insurance agents.
• Homeowners-A (HO-A) Homeowners insurance product with dwelling limits up to $400,000, water coverage available up to $5,000, partial loss settlement for risks above $75,000 built after 1980, and theft coverage for owner occupied risks. For non-standard residential homeowners risks in Texas, sold through independent insurance agents.
• Homeowners A+ (HO-A+) Enhanced homeowners product for Texas with dwelling limits from $150,000 to $300,000, including theft coverage, glass breakage, water coverage up to $10,000, replacement cost for roofs up to 10 years old, augmented partial loss for roofs 11+ years, flood coverage with no waiting period, and deductibles up to 5%. For non-standard residential homeowners risks requiring expanded coverage, distributed through independent insurance agents.
• Manufactured Home Insurance (Arizona) Manufactured home insurance product distributed in Arizona through independent insurance agents, extending RHP's non-standard residential property offerings beyond Texas.
• AU Gold Surplus Lines Products (Vacant, Builders Risk, DP-3) Surplus lines insurance products for Vacant, Builders Risk, and DP-3 exposures delivered through AU Gold's surplus lines market, providing coverage options outside standard markets for non-standard residential and construction-related risks. Distribution through independent insurance agents.

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core and supporting.

• Risk Placement Services (RPS) / Gallagher InsurancecoreStrategic or Co-development Partner · 1 January 2023RHP General Agency was acquired by Gallagher Insurance under their Risk Placement Services (RPS) division in 2023. RHP now operates as 'RHP General Agency, Inc. an RPS Company'. This acquisition brought RHP under the Gallagher corporate umbrella while maintaining its MGA operations.
• Lloyds MarketcoreTechnology or Integration · 1 January 2019RHP was approved as a Lloyds market in 2019, providing access to additional capacity and market reach for surplus lines products.
• AU Gold (Surplus Lines Market)supportingStrategic or Co-development Partner · 1 January 2019RHP offers Vacant, Builders Risk, and DP-3 products through AU Gold, a surplus lines market partner, to provide coverage options outside standard markets.
• Sycamore Insurance AgencysupportingStrategic or Co-development Partner · 1 January 2017RHP purchased a book of similar business from Sycamore Insurance Agency in 2017, which helped grow revenue and added employees with over 100 years of combined experience in the same market.
• Southern Vanguard Insurance CompanycoreStrategic or Co-development Partner · 1 January 2014Southern Vanguard Insurance Company is the primary insurance carrier for RHP General Agency's Texas policies. RHP writes residential property through SVIC as its MGA relationship. SVIC was acquired by the same investment group (Cory Moulton and Omena Partners) that acquired RHP in 2014. SVIC carries an A- (Excellent) rating by AM Best.

Scale indicators4 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• CRC Group: Wholesale MGA/broker platform now part of Risk Placement Services (RPS), making it a sister company of RHP within Gallagher. Operates a network of MGAs writing specialty lines including residential property, sharing the same parent and distribution infrastructure.
• Olympus Insurance Company: Florida specialty residential property carrier targeting non-standard and coastal homeowners through independent agents. Comparable underwriting approach for risks rejected by standard markets, with similar focus on agency relationships and product breadth.
• Heritage Property & Casualty Insurance: Florida-focused specialty homeowners writer serving non-standard and catastrophe-exposed risks through independent agents. Comparable product mix (HO-A variants, dwelling fire) and similar reliance on agency distribution and carrier capacity partnerships.
• American Integrity Insurance: Florida specialty residential property insurer writing homeowners for non-standard and catastrophe-exposed risks via independent agents. Overlapping product offering and customer profile to RHP's non-standard residential book.
• Slide Insurance: Florida-focused specialty homeowners insurer emphasizing catastrophe-exposed residential risks distributed through independent agents. Similar non-standard underwriting posture and product focus to RHP's Texas HO-A+ and dwelling fire lines.
• SageSure Insurance Managers: Leading US MGA focused on catastrophe-exposed residential property, distributing through independent agents. Highly comparable business model: non-standard homeowners, dwelling fire, and surplus lines written via carrier partners, with similar reliance on Lloyd's and E&S markets.
• Tower Hill Insurance Group: Florida-domiciled specialty homeowners writer concentrating on catastrophe-exposed coastal and inland properties via independent agents. Operates with multiple carrier entities and writes both standard and non-standard residential risks through agent distribution.
• Florida Peninsula Insurance Company: Florida specialty homeowners carrier writing HO-A and HO-3 policies for non-standard and coastal risks through independent agents. Highly analogous business mix and underwriting posture to RHP's non-standard Texas book.
• Burns & Wilcox: Specialty wholesale insurance broker and MGA platform under RPS/Gallagher. Writes surplus lines and non-admitted residential and commercial coverage through a network of independent agents, structurally analogous to RHP's wholesale-distribution model.
• Security First Insurance Company: Florida specialty homeowners carrier writing HO-A, HO-3, and dwelling fire for catastrophe-exposed residential properties through independent agents. Comparable product portfolio and non-standard positioning to RHP.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rhp-general-agency

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RHP General Agency, Inc.