Real Coverage For The Build In Progress.
Texas builders risk insurance for general contractors, custom home builders, developers, and property owners. Residential and commercial coverage. Coverage in the name of the contractor or owner. One-shot or reporting form policies. 6, 9, or 12 month terms.
Independent Brokerage · Statewide Texas Coverage · Texas-Licensed Since 2020
Texas builders risk insurance is a specialty property policy covering buildings under active construction, renovation, or restructuring. It protects the structure, materials, and equipment on the construction site against fire, theft, vandalism, wind, and certain weather events during the build period. Required by most lenders. Available for residential and commercial projects throughout Texas. Policies written for 6, 9, or 12 months in the name of contractor, owner, or both.
Tell Us About The Project.
Submit your project details and a McDade Risk Advisor will structure a real builders risk quote within one business day. We need a few specifics to engineer the right coverage including project type, valuation, location, and expected timeline.
No automated quote engines. No generic estimates. Real coverage built around your specific project. We work with general contractors, custom home builders, developers, and property owners across Texas.
Builders Risk Insurance Request
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Builders Risk Insurance Request
A Standard Home Policy Was Not Built For This.
Standard homeowners insurance is designed for finished, occupied dwellings. It was not built to handle the unique exposures of an active construction site. Texas builders risk insurance fills that gap with broader coverage, higher limits, and policy terms designed for the build itself.
Broader Coverage Scope
Builders risk insurance covers building materials, equipment, and supplies on site in addition to the structure itself. Standard homeowners policies typically exclude or severely limit coverage for materials staged on a construction site, leaving general contractors and property owners exposed to significant theft and weather losses.
Higher Coverage Limits
Builders risk policy limits are structured to match total project valuation not just the dwelling completion value. A $750,000 custom home build needs $750,000 in coverage during construction, not the lower partially-built value a homeowners policy would cover. Coverage scales with the actual financial exposure of the project.
Construction-Specific Terms
Policies are written in 6, 9, or 12 month terms matched to your construction timeline. Extensions are available if the project runs long. Coverage transitions cleanly to a permanent property policy upon completion. Homeowners policies were never structured for this kind of timeline-based coverage.
Remodel & Renovation Coverage
Builders risk includes remodeling, renovation, and restructuring projects as eligible coverage scenarios. Major renovations of $50,000 or more often expose property owners to gaps in their existing homeowners policy. A builders risk policy fills those gaps for the duration of the project.
Coverage For The People Building Texas.
McDade builders risk policies serve general contractors managing multiple jobs, custom home builders working on a single project, developers structuring large-scale builds, and individual property owners commissioning new construction or major renovations. We engineer coverage against the specific exposures of your project type.
Builders risk is one of the most overlooked policies in Texas construction. Most contractors think their general liability covers the project itself. It does not. A fire, a windstorm, a theft of staged materials, all of those losses fall on the contractor or owner unless a builders risk policy is in place. We engineer coverage against the actual exposure of the build.
Construction Risk Specialist · CLCS Designation · Builders Risk, General Liability, Workers Compensation, Commercial Property · 50+ Top Texas Carriers
One-Shot Or Reporting Form. The Right Structure Matters.
Builders risk policies come in two structural types. The right one depends on whether you are managing a single project or multiple ongoing projects. McDade can structure either based on your project mix.
One-Shot Policy.
Covers a single specific construction project with a defined start date, end date, and project address. Standard option for owner-builders, custom home builders, and contractors working one project at a time. Premium is fixed at issue. Coverage ends when the project completes or transitions to a permanent property policy.
Reporting Form Policy.
Covers multiple ongoing construction projects under a single master policy. Common for active general contractors with several projects in progress. Premium is calculated based on aggregate construction valuation reported on a regular basis. Provides streamlined coverage management for contractors with steady project pipelines.
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Common Questions, Real Answers.
What is Texas builders risk insurance?
Texas builders risk insurance is a specialty property policy that covers buildings under construction, renovation, or restructuring. It protects the structure, materials, equipment, and supplies on the construction site against perils including fire, theft, vandalism, wind, and certain weather events during the active build period. Coverage is required by most lenders on commercial construction projects and many residential builds. Policies can be written in the name of the general contractor, the property owner, or both. Coverage is available for residential and commercial projects throughout Texas.
Why does a builder need builders risk insurance instead of homeowners insurance?
Standard homeowners insurance does not adequately cover buildings during the construction or renovation phase. Builders risk insurance provides broader coverage scope than homeowners insurance, higher coverage limits to match construction valuations, and more favorable policy terms designed specifically for active construction sites. Homeowners policies typically require a finished, occupied dwelling and may exclude or limit coverage for buildings under construction. A builders risk policy fills this gap until construction is complete and a permanent property policy can take effect.
How long do Texas builders risk policies last?
Texas builders risk insurance policies are typically written for 6, 9, or 12 month terms based on the expected duration of the construction project. The policy is designed to cover the structure throughout the active construction period and ends when construction is complete and the property is occupied or transferred to a permanent property insurance policy. Extensions can be arranged if construction runs longer than expected. Reporting form policies are available for contractors with multiple ongoing projects.
Who needs Texas builders risk insurance?
Texas builders risk insurance is needed by general contractors, custom home builders, developers, real estate investors, property owners commissioning new construction, homeowners undertaking major renovations, and anyone who has financial responsibility for a building during the active construction phase. Lenders typically require builders risk coverage as a condition of construction financing. Property owners purchasing remodels of $50,000 or more often benefit from a builders risk policy even when not required by a lender.
What does Texas builders risk insurance cover?
Texas builders risk insurance covers the structure under construction, building materials and supplies on site, fixtures and equipment intended to become part of the finished structure, and certain temporary structures used during the build. Standard perils covered include fire, lightning, windstorm, hail, vandalism, theft, and certain weather events. Optional add-ons include flood, earthquake, soft costs (interest, design fees, permits), and equipment breakdown. Policies are customized based on project type, valuation, location, and construction timeline.
How is the cost of Texas builders risk insurance calculated?
Texas builders risk insurance premiums are calculated based on total project valuation, construction type, project duration, location, deductible amount, and selected coverage options. Premiums typically range from 1% to 4% of total project valuation depending on these factors. A $500,000 residential build might cost $1,500 to $5,000 in builders risk premium. Larger commercial projects with more complex risk profiles may have different pricing. Quote requests are required to determine specific pricing for your project.
What is the difference between a one-shot policy and a reporting form policy?
A one-shot builders risk policy covers a single specific construction project with a defined start date, end date, and project address. It is the standard option for owner-builders, custom home builders, and contractors working on a single project at a time. A reporting form policy covers multiple ongoing construction projects under a single master policy. Reporting form policies are common for active general contractors with several projects in progress. Premiums are based on aggregate construction valuation reported on a regular basis. McDade can structure either type based on your project mix.
Quote The Build. Protect The Project.
Every Texas construction project deserves real builders risk coverage. Submit your project details for a real quote within one business day or call our team to talk through coverage options. Real coverage. Real risk advisors. Real Texas.