Residential Flood (Primary Flood)

This residential flood program builds on RT Specialty’s past experience in assisting homeowners in obtaining protection in times of need. This program has a generally wider scope of coverage and a choice of higher limits than most alternative flood products currently available.


  • 7 day waiting period for new business 
    • Does not apply when lender mandates an insured purchases flood insurance (proof of closing required)
    • Does not apply as a result of the insured building is reclassified as a Special Flood Hazard Area within the previous 60 days
  • No need to obtain flood certificates
  • Direct Bill available

Choose your coverage (limits subject to change)

  • Dwelling Replacement Cost up to $1.25M or NFIP limits
  • Personal property up to $875k – replacement cost optional
  • Other structures up to $125k
  • Additional living expenses up to $250k

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

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