Residential Vacant, Renovations and Builder’s Risk

Many insureds do not realize that homeowners and dwelling fire policies may reduce or remove coverage when a home is vacant for an extended period of time. RT Specialty can provide access to additional coverage for vacant homes or homes under renovation. RT Specialty also has multiple markets for residential ground up builder’s risks.  

Vacant and Renovation
  • Existing structure and renovations included
  • Special and named peril forms available
  • Liability available
  • Contents coverage considered
  • Flexible policy terms, 3, 6, 9, 12 months
Ground up Builder’s Risk
  • Liability available
  • Theft of building materials available
  • Flexible policy terms, 3, 6, 9, 12 months
  • Renewable or extend by endorsement
Target Classes
  • Coastal / Extreme Coastal / Non-Coastal Homes
  • All Protection Classes
  • 1-4 Family Rental Dwellings
  • Condominium Units
  • Custom / Modular / Tract / Model Homes
  • Home Flippers
  • Homes / Dwellings in Business Name, Estate of, or LLC
  • Detached garages
  • Long Term Vacant Risks Considered
  • Mid-term Projects Considered
  • Cosmetic Renovations
  • Major / Structural Renovations (Contractor Required)
  • Ground Up Builder’s Risk
  • Will Consider Any Residential Renovation or Construction Project Materials
  • Low Minimum Premiums
  • Renewable policies

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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