RPS Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Risk Placement Services (RPS) Insurance Company Score
3 Stars
We award Risk Placement Services (RPS) a final rating of 3 out of 5 stars. The insurance company offers its coverage nationwide and provides an extensive catalog of numerous types of insurance products ranging from cyber liability to home insurance and more. Claims reporting is available 24/7 through multiple mediums.
Risk Placement Services was founded in 1997. While the actual insurance company is not rated by AM Best, it states that many of its products are sold through carriers rated "A" or higher.
The carrier also offers many endorsements and discount options. Overall, we say go ahead and check into RPS with the help of your independent insurance agent. You may also want to research some additional options.
RPS Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
RPS Insurance Products by Type
RPS offers a large catalog of products through both commercial and personal lines. The carrier offers the following coverages and more:
Business Insurance:
- Business auto insurance
- Cyber liability insurance
- Errors and omissions insurance
- Employment practices liability insurance
- Garage insurance
- Habitational insurance
- Hospitality insurance
- Artisan contractors insurance
- Allied healthcare insurance
- Business owners policy insurance
- Jewelers block insurance
- Inland marine insurance
- Ocean marine insurance
- Workers' compensation insurance
- Management liability insurance
- Property liability insurance
Vehicle & Auto Insurance:
- Car insurance
- Antique auto and classic car insurance
Home & Property Insurance:
- Dwelling insurance
- Homeowners Insurance
- Mobile and manufactured home insurance
- Personal umbrella insurance
Other Insurance:
- Private aviation insurance
- Equine insurance
- Family offices insurance
- Kidnap, ransom and extortion worldwide travel protection
- Transportation insurance
- Snow removal insurance
- Surety bonds
RPS Homeowners Insurance
RPS offers a complete selection of homeowners insurance products, including HO-3, HO-4, HO-6, and HO-5 insurance. The carrier sells all the standard types of coverage you'd expect, including personal property, personal liability, medical payments, dwelling, other structures, and loss of use.
The carrier also offers many optional endorsements and coverage enhancements, including extended replacement cost, identity fraud expense, water backup and sump pump discharge or overflow, extended liability for secondary residences and rental properties, personal injury, and loss assessment coverage. Some additional endorsement options are detailed below.
Coverage types, features, and benefits:
Excess flood
RPS offers excess flood coverage as an endorsement for its home insurance policies. This coverage can provide additional reimbursement for flood-related damage or destruction to your home or personal belongings.
In-home business
RPS offers an endorsement to cover your in-home business property. This coverage can help reimburse the homeowner for theft, damage, destruction, or other covered losses to business property stored at the home or property used for an in-home business.
Builders risk
RPS offers optional builders risk or course of construction coverage for its home insurance policies. This coverage can reimburse the homeowner for theft, loss, damage, or destruction of construction materials used for a home that's still being built.
RPS Homeowners Insurance Average Prices
RPS doesn't make its average prices for homeowners insurance readily available online. Interested customers can contact the carrier directly or work with an independent insurance agent, who can obtain exact quotes. To get a better idea of average home insurance prices in your area, check out our home insurance calculator.
What Discounts Does RPS Offer?
RPS does offer several discounts on many of its coverages. Just a few of these for its antique and classic car insurance include:
- Large collections valued over $250,000 discount
- Car club membership discount
- Anti-theft device discount
- Accident prevention course discount
An independent insurance agent can provide better discount information and premium quotes for coverage through RPS. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
RPS Customer Service
RPS offers 24/7 phone, online, and email claims reporting for its policyholders for many of its products. The carrier also provides the following customer service options:
- Phone
- Fax
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The best way to ensure a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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RPS Insurance FAQs
RPS offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise.
RPS allows customers to file claims 24/7 by phone, online, or email. Its hotline for customer service inquiries does not specify business hours on the carrier’s official website or social media pages. The carrier’s social media presence extends across Facebook, X, YouTube, Instagram, and LinkedIn, making it more accessible to customers.
RPS offers a couple of options for claims reporting. However, the insurance company does not detail its claims process on their official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone, email, or get in touch with their independent insurance agent.
RPS allows customers to file claims 24/7, as well as get in touch through several mediums. The carrier has an extensive social media presence across multiple platforms. However, business hours are not specified and it's not easy to find the carrier's contact page on the official website. Overall, RPS could stand to improve a bit in the user-friendliness department.
RPS provides quite an extensive catalog of insurance products, including antique auto and classic car insurance. The carrier offers the following coverages through its policies:
- Agreed value
- Miles rollover
- Multiple vehicles with one liability rate
- Spare parts
- Towing
- Roadside assistance
- Nine-to-five driver
- Trip allowance
- Full safety glass
An independent insurance agent can help you find even more information about RPS's antique auto and classic car insurance, as well as its many other insurance products.
RPS is not currently rated by AM Best or the BBB. However, the carrier states it works with carriers rated "A" or higher by AM Best for many of its products. The insurance company offers a large selection of insurance solutions for customers in all 50 states. Claims reporting is also available 24/7.
RPS's insurance products may be right for individuals or business owners located nationwide. The carrier offers a wide selection of products, including antique auto and classic car insurance, small business insurance, homeowners insurance, cyber liability insurance, and much more.
https://www.rpsins.com/
https://www.bbb.org/us/il/rolling-mdws/profile/insurance-services-office/risk-placement-services-inc-0654-90009914