High Value Homeowners

RT Specialty understands that your affluent clients may have complicated needs. RT Specialty represents multiple high value homeowner carriers. These policies, provided by carriers we represent, can also include coverage for nearly all types of valuables, including jewelry, fine art, coins, stamps, sliver and wine. Auto, watercraft, umbrella, cyber and personal injury protection coverage can also be added.  

We Specialize In The Following Risks
  • Homes in the name of a business (Premises Liability)
  • Coastal locations in all states
  • Homes in brush areas
  • Homes with no prior insurance
  • Homes with prior declinations
  • Homes with prior losses
  • New purchases
  • EIFS construction
  • Short-term Rentals
  • Builders Risk
  • Vacant/Renovations
Product Features
  • HO5, HO3, HO6 and DP3
  • Personal Injury
  • Scheduled Personal Property
  • Increased Liability Limits
  • Water Backup
  • Primary / Secondary residence
  • Extended replacement cost
  • Coverages available in conjunction with homeowners policy:
    • Automobile
    • Watercraft
    • Recreational vehicles
  • Earthquake
  • Flood
  • Umbrella
  • Discounts available

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only.

Personal Lines Team

Meet your experienced RT Personal Lines Underwriting Team. Offering products nationwide.

Region Map Regional Breakdown


Subscribe to receive the latest Ryan Specialty Group and/or RT Specialty news.


Find a Broker or Underwriter

Search by product, location or name

Please Update Your Browser

Unfortunately Microsoft is no longer providing support or security fixes for your web browser. RT Specialty values the safety and security of its clients’ data, and as such this site requires the use of a modern web browser. To update your web browser, please see the links below. If you have any questions or would like additional information, please email or call (312) 784-6001.

Firefox Firefox Chrome Chrome IE Internet Explorer Edge Microsoft Edge