Homeowners Coverage

RT Specialty provides access to multiple carriers specializing in homeowners policies. Our team of experienced and efficient underwriters is dedicated to helping you find a combination of coverage and pricing for your clients. Reach out to your RT Personal Lines underwriter today to discuss and secure terms.

Target Classes

• Low / Medium / High Value Homes
• Coastal / Extreme Coastal / Non-Coastal Homes
• Wind Coverage Available in Most Tier 1 Counties
• Primary / Secondary / Seasonal (limited rental)
• Custom / Modular / Tract / Model / Log / Unique Construction
  
  
• RT Personal Lines Considers:
• Lapse in Coverage
• Prior Claims
• All Protection Classes; 1-10
• Dogs / Domestic Animals (exclusions or limitations apply)
• Swimming Pools and Trampolines
• Declined by Standard Market
• Wildfire Exposures
• On Pilings / Pier and Beach / Open Foundations
• Any Home with Pride of Ownership!
  
  
• RT PL is Also a Market For:
• Short and Long Term Rental / Airbnb / VRBO
• Condo Unit Owner
• Vacant Homes Including Minor or Major Renovation
• Ground up Builders Risk
• Liability / Excess / Umbrella
• Watercraft
• Manufactured Homes (depending on state of risk)
• Motorcycle / Snowmobile (depending on state of risk)
• Wind Deductible Buyback (monoline)

Coverage Options

HO-3, HO-8 

High value HO-5, HO-3, HO-8 

• Personal liability included for owner primary homes
• Premises liability included for secondary, seasonal, and rental homes
• Fringe coverages available
  • Water/Sewer back up
  • Equipment breakdown
  • Extended replacement cost
  • Loss assessment
  • Other Fringe Coverages (depending on carrier) 

RT Highlights

• Monoline property, liability and package options
• In-house authority / quick turnaround
• One stop shopping / access to multiple A rated carriers!

Any carrier ratings contained herein are as of 08/09/25. A.M. Best ratings are under continual review and subject to change. To confirm the current rating, please visit www.ambest.com.

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 Ryan Specialty, LLC