HIGH NET WORTH BUILDERS RISK INSURANCE

Comprehensive builder's risk insurance for high-value homes.

Protection during construction and renovation with no gaps.

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Trusted insurance partners

Built for high value homes that are temporarily construction sites.

A policy that protects you, not your contractor.

Policies written in your name, to the full value of your finished build project. You're fully protected, with no gaps in coverage.

•OWNER-CONTROLLED COVERAGE

Placed with specialty carriers: Chubb, PURE, AIG Private Client, Berkley One.

The insurers that write course-of-construction policies for high-value and custom homes. They routinely cover things like floods and wildfires, and pay claims reliably.

•7+ SPECIALTY CARRIER RELATIONSHIPS

One advisor, from groundbreaking to move-in.

An experienced advisor scopes the policy, coordinates with your builder and architect, and lines up the homeowners policy that takes over when the work is done. No outsourcing to call centers.

•AVG. 24-HOUR QUOTE TURNAROUND

FAQ

Common builders risk questions.

The questions we hear most from owners about to break ground or start a major renovation.

Replies typically within 24 hours

Not your interest in it. The general contractor's policy is written in their name and sized to their contract, which can leave the value of your finished home exposed. An owner-controlled builders risk policy covers your money in the build, not just the contractor's work.

Before work starts, ideally attaching at groundbreaking or when the first materials arrive on site. Putting coverage in place mid-build leaves the early phase uninsured and makes underwriting harder.

Usually not once construction begins. Standard homeowners forms restrict or suspend coverage on a home that is vacant or under construction, so a gut renovation can fall into a gap. Builders risk covers the construction phase, and your homeowners policy resumes at completion.

Builders risk ends at completion or occupancy, and your homeowners policy has to be in force the day you move in. We coordinate the two so there is no morning when neither one answers.

Yes, by endorsement. A covered loss that resets the schedule keeps construction loan interest, property taxes, and other carrying costs running. Soft-cost coverage reimburses those, and we size it to the delay your build could realistically face.

No. We are compensated by the carriers we place coverage with, so there is no charge for a review or quote.
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