RT Specialty offers access to competitive surplus lines personal lines policies for high value homes.
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RT Specialty Personal Lines High Value Homes

Personal Lines: High Value Homes

 

RT Specialty offers access to competitive surplus lines carriers writing high value homes on a mono-line basis. Our experienced and efficient personal lines underwriters are here to help you find the right combination of coverage and pricing for your insureds!

 

Target Classes

  • Homes with a coverage A value of $500,000 or more
  • Coastal homes including homes right on the water
    • Wind and hail coverage available in all states
    • X-wind options available in FL, LA and TX
  • Vacation homes including seasonal occupancy
  • Rental homes including short term, Airbnb, VRBO
  • Homes in high protection classes; we write PC 1-10
  • Homes with wildfire exposure
  • Medium and high value condominium unit owner
  • Vacant homes
  • Homes under major and minor renovations
  • Ground up builder's risk
  • Any high value home with Pride of Ownership!

Coverage Options

  • HO-5, HO-3, DP-3, HO-6 policy forms
  • Personal liability included for owner primary homes
  • Premises liability options for secondary, seasonal, and rental homes
  • Fringe coverages available
    • Water/Sewer back up
    • Equipment breakdown
    • Extended replacement cost
    • Loss assessment
    • Additional coverages based on carrier

    RT Highlights

    • In house and brokerage options / quick turnaround
    • Experienced underwriters and efficient process
    • Competitive pricing and coverage
    • Multiple A rated carriers, we shop for you!
    Contact Your Local RT Personal Lines Underwriter
    Download RT Personal Lines Product Sheet
    Follow RT Binding on LinkedIn

    The description of this product is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.

     

    RT Binding Authority is a part of the RT Specialty division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. RT Binding Authority provides wholesale insurance brokerage and other services to agents and brokers. RT Binding Authority does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2026

    RT Specialty, 155 N. Wacker, Suite 4000, Chicago, IL 60606

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