Residential Vacant, Renovations and Builders 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 builders risks.  

Product Features 

Vacant and Renovation

  • Special and named peril coverages
  • Liability
  • All protection classes eligible
  • Coverage for contents
  • Renovations
  • 1-4 family dwellings and condos
  • Model homes
  • Home Flippers acceptable
  • Business name, estate of, or LLC acceptable
  • 3, 6, 9, 12 month policy terms available
  • Admitted and non-admitted markets available
  • Low Minimum Premiums

Ground up Builder’s Risk

  • Property and Inland Marine forms available
  • Liability coverage available  
  • Custom, modular and tract homes
  • Dwellings and condos (1 – 4 units)
  • Detached garages
  • Contractors must have at least 2 years experience
  • Coverage included for theft of building 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.

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