RLI Corp 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 RLI Corp Insurance Company Score
4 Stars
We award RLI Corp a final rating of 4 out of 5 stars. RLI has been in the insurance industry for nearly seven decades. The carrier provides several insurance solutions for individuals and businesses, as well as unique homeowners and hurricane insurance for residents in Hawaii. The insurance company is highly rated by AM Best.
RLI Corp was founded in 1965. The insurance company offers a variety of insurance products for individuals and businesses, including umbrella insurance, Hawaii renters insurance, business owners insurance, and more. The carrier is headquartered in Peoria, Illinois.
Today, RLI offers personal coverage nationwide and select coverages in specific areas, such as Hawaii hurricane insurance. We’re also huge fans of the fact that the carrier works with independent insurance agents, which helps ensure that customers have the best overall experience possible. If you’re in need of any of their coverage solutions, we recommend looking into RLI Corp with your independent insurance agent to be your next trusted carrier.
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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.
RLI Insurance Products by Type
RLI offers a variety of coverage solutions for individuals and businesses. Its products include:
Home & Property Insurance:
- Hawaii homeowners insurance
- Condo insurance
- Renters insurance
- Dwelling fire insurance
- Home business coverage
- Personal umbrella insurance
- Track day insurance
Business Insurance:
- Business owners insurance
- Captive insurance
- Casualty insurance
- Construction insurance
- Management & professional insurance
- Marine insurance
- Property insurance
- Transportation insurance
RLI Corp Hawaii Homeowners Insurance
RLI offers homeowners insurance for residents in Hawaii with the state's extreme weather risks in mind. The carrier offers hurricane coverage for older homes and those along the ocean.
Coverage types, features, and benefits:
Substantial dwelling protection
RLI offers coverage of up to $4.5 million for primary and secondary residences.
Homes in all locations
The carrier insures homes on all islands, including those in remote areas, and homes that are still under construction.
Hurricane protection
RLI offers hurricane coverage for your home and belongings, which is critical for homeowners in Hawaii.
RLI Hawaii Homeowners Insurance Average Prices
The average annual premium for Hawaii homeowners insurance from RLI Corp is $666 annually, which is a bit more expensive than the state's average cost of $486 per year. However, the carrier still ranks as one of the cheapest home insurance companies in Hawaii. RLI is also known for offering affordable coverage for homeowners with older homes and those with a history of claims.
| RLI average annual premium: | State average annual premium: |
|---|---|
| $666 | $486 |
What Discounts Does RLI Corp Offer?
RLI Corp does not make information about its specific discounts readily available. However, an independent insurance agent can find exact quotes and discount information for you. If you're interested in coverage from RLI, work with an independent insurance agent to learn more about the carrier's discounts and other savings.
RLI Corp Customer Service
RLI allows its customers to file claims through a couple of different methods. The carrier provides the following customer service options:
- Email claims reporting
- Phone claims reporting
- Fax claims reporting
- General contact form through website
- Snail mail
- Customer service department has the following hour restrictions:
| Days | Hours | ||
| Monday-Friday | 8:30 a.m. - 5:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to handle your customer service needs is to work with an independent insurance agent. Independent insurance agents help make customer service easier for you by handling claims and other concerns.
Connect with a RLI Agent Today.
Shopping for insurance? RLI has you covered.
RLI Corp Insurance FAQs
RLI allows customers to file claims at any time through email. However, the official website does not make a very specific claims response time frame promise.
RLI’s phone line for customer service issues is available at typical hours on weekdays. The insurance company allows customers to file claims through email or online at any time. The carrier also has a social media presence on LinkedIn, which makes it a bit more accessible to customers.
RLI encourages customers to file claims through email, but it also provides a couple of additional options for filing. The insurance company’s official website, however, does not outline a specific claims process beyond how to file. If customers have questions about the claims process, they can reach out to their independent insurance agent or contact the carrier directly.
RLI’s website is easy to navigate and important information can be found quickly. RLI’s website would benefit from adding a detailed claims process and claims FAQ, however. The carrier works with independent insurance agents to ensure their customers have the best insurance experience possible.
RLI provides a good selection of coverages for individuals and businesses, including condo insurance for residents in Hawaii. The carrier’s Hawaii condo insurance policies provide the standard personal property and liability coverage expected, in addition to the following unique features:
- Up to $4.5 million in dwelling coverage
- Property manager coverage
- Hurricane coverage
- Guest medical protection
- Unit owners extended coverage
RLI prides itself on offering hurricane insurance in the state of Hawaii, which is a risk not many insurance companies are willing to take. Your independent insurance agent can help you find even more information about RLI’s Hawaii condo insurance, as well as its many other coverages.
RLI has been around for nearly seven decades. The insurance company is highly rated by AM Best. Last year, RLI was named on Ward’s 50® Top Performing Insurance Companies List for the 33rd consecutive year.
RLI provides a good selection of coverage options for individuals and businesses. The carrier also works with independent insurance agents. Overall, RLI can indeed be considered a good insurance company.
RLI's insurance products may be right for residents and business owners in the state of Hawaii. In particular, homeowners and renters who have been unable to locate hurricane coverage for their homes may find the coverage they need from RLI.
RLI's homeowners insurance premiums in Hawaii average $666 per year. This is a bit more expensive than the current state average rate of $486 per year.
https://www.rlicorp.com/
https://www.bbb.org/us/hi/honolulu/profile/insurance-companies/rli-insurance-company-1296-12001632
https://news.ambest.com/PR/PressContent.aspx?refnum=34296&altsrc=9
https://www.policygenius.com/homeowners-insurance/hawaii/