Homeowners

RT Specialty offers access to multiple competitive standard and surplus lines carriers writing homeowners policies. Our experienced and efficient personal lines underwriters are here to help you find a superb combination of coverage and pricing for your insureds!

Target Classes
  • Low, Medium, and High Value Homes
  • 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 Writes 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.

Personal Lines Team

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

Region Map Regional Breakdown

Online Rating Options

RT Personal Lines has a variety of online options available. Click on the logos for quick access. For more details and and signup instructions, click on the "Details" button at the bottom.

AL, CT, DC, DE, FL, GA, KS, LA, MA, MD, ME, MO, MS, NC, ND, NE, NH, NJ, NY, OH, PA, RI, SC, TX, VA, VT, WA, WV

CT, DC, DE, FL, IN, MD, NC, NJ, NY, OH, PA, WI

TX

Rating Details

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