Home builder's


At preferred prices!

Covid-19 Announcement

As the unprecedented Coronavirus, also known as COVID-19, deepens, the management and staff of RWC Insurance Advantage (RIA) wish to reassure our insureds, agents, vendors and independent contractors, that we are doing everything within our means to ensure the safety of our staff and to maintain uninterrupted service to all.  Our agents, vendors, outside adjusters and law firms have all long-established effective remote operations capabilities.  RIA also has effective remote access measures in place so that no one should experience any significant changes in our ability to function normally.  We will continue to monitor the crisis as it evolves and make any adjustments to our procedures that circumstances warrant.  We appreciate your patience, understanding and devotion as we all move through these challenging times together.

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General Liability

General Liability is insurance that protects you from a variety of claims including bodily injury to members of the public and damage to property belonging to others that arise out of your business activities.

Umbrella / Excess

A Commercial Umbrella Policy is designed to provide protection against catastrophic losses and is written over various primary liability policies, such as the commercial general liability (CGL) policy sold by the RWC Insurance Advantage.

Builders Risk

Builders Risk insurance protects your financial interest in the materials, fixtures and/or equipment being used in the construction, or renovation of a building, or structure in the event they are damaged or destroyed by a covered cause of loss like fire, windstorm, vandalism or theft.

Contractor's Equipment

Contractors Equipment coverage is property insurance that covers the loss of, or damage to covered equipment owned by you, or in your possession resulting from such hazards as fire, theft or vandalism

Worker's Compensation

Worker’s Comp, as it is commonly known, covers five basic things: (1) Medical expenses, (2) Disability benefits, (3) Lost wages due to (4) work related injuries, or (5) work related illness.

What Is The RWC Insurance Advantage?

As a leader in the residential home building industry we are committed to providing general liability insurance and select other coverages to members of the Residential Warranty Company, throughout the United States*.

The RWC Insurance Advantage is underwritten by Western Pacific Mutual Insurance Company (a Risk Retention Group) and administered by Integrity Underwriters.  We are one of the few RRGs to earn an A- Excellent, A.M. Best rating with a stable outlook.

We understand builders because that is all that we insure!

We offer preferred pricing to our membership.

Please see our information on why membership is necessary. Interested in becoming a member? Click here to become a member of the RWC warranty program.

*Availability subject to Underwriting.


How can we help... by saving you money!

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Interested in a quote?  Click the button below, and we'll walk you through the steps to get a free quote.

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Certificate of Insurance

Would you like a certificate of insurance? Click the link below and we can provide that to you.

Apply Now

Interested in our Insurance? Click the button below to begin your application.

Report Claim

Need to report a claim? We're here to help! Click below, and you can report a claim online, or do it over the phone.

Safety Checklist

Using the Safety Checklist, along with proof that that you have a formal LOSS CONTROL PROGRAM can SAVE you $$$$!

Latest News and Views


We at the RWC Insurance Advantage, like everyone, are most concerned about the pandemic known officially as COVID-19. We think we have a responsibility to make our insureds aware of steps they can take to minimize exposure for themselves, their employees and subcontractors and their customers. While everything in this ...
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I don’t want to insult anyone’s intelligence, but there’s a misunderstanding that  has come up more than once and we need to make things clear:  Builders Risk does not insure your liability to members of the public.  Clear as mud, right?  Well, don’t shoot the messenger.  Whoever came up with ...
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Some true stories sound like an Aesop fable, but this actually happened. The names and some facts have been omitted or altered to protect the innocent: Once upon a time there was a builder who journeyed to a distant state where there was a trade show. At the show he ...
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