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.  

Target Classes
  • Homes up to $5,000,000 Coverage A (Higher Limits Referred to Private Client
  • Coastal / Extreme Coastal / Non-Coastal Homes
  • Wind Coverage Available in Many Tier 1 Counties
  • Vacation Homes: Seasonal and Secondary Including Limited Rental
  • Vacant Homes
  • Homes Under Minor or Major Renovation
  • Custom / Modular / Tract / Model / Log / Unique Construction
  • Lapse in Coverage Considered
  • Prior Claims Considered
  • Homes Declined by Standard Markets
  • All Protection Classes; we write PC 1-10
  • Wildfire Exposures Considered
  • Risks With Swimming Pools and Trampolines
  • Risks With Dogs and Other Domestic animals (exclusions or limitations apply)
  • Risks on Pilings
  • Pier and Beam and Open Foundations Considered
  • Any Home with Pride of Ownership!
  • RT Specialty also quotes Dwelling Fire, Condo, Renters, and Specialty PL Products
Coverage Options
  • HO-3, HO-8 policy forms
  • High value HO-5, HO-3, HO-8 policy forms
  • Personal liability included for owner primary homes
  • Premises liability included for secondary, seasonal, and rental homes
  • Fringe coverages available
    • Water/Sewer back up
    • Equipment breakdown
    • Extended replacement cost
    • Loss assessment
    • Other Fringe Coverages

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

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