Master Condo Product

Two- to four-unit condo buildings are common in coastal areas where land is at a premium. Many local governments require these types of multiple family / multiple owner dwellings to be deeded as Master Condominiums with by-laws. Many carriers write these on a commercial form. RT Specialty has access to a personal lines product written on an HO-3 form designed to cover the building up to the studs or interior walls picking up where the HO-6 leaves off.

Target Classes
  • 1 – 4 Family Condominiums
    • By Laws Required
    • Units Covered by HO-6
  • Coastal / Extreme Coastal / Non-Coastal Homes
  • Wind Coverage Available in Many Tier 1 Counties
  • Vacation Master Condo: Seasonal and Secondary Including Limited Rental
  • Long Term / Short Term Rentals / Air Bnb / VRBO
  • Custom / Modular / Model / Log / Unique Construction
  • Lapse in Coverage Considered
  • Prior Claims Considered
  • Master Condo 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 Master Condo with Pride of Ownership!
Coverage Options
  • HO-3, DP-3 policy forms
  • Premises liability included for common areas
  • 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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