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Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
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Construction, Specialty & Bonds • Licensed Texas Agency
Compare Texas Builders Risk & Course-of-Construction Insurance Quotes
Before the slab is poured or walls come down on a gut remodel, construction lenders and contracts require Course-of-Construction protection. Compare 3-, 6-, 9-, and 12-month Texas Builders Risk policies.
✓ New Ground-Up & Remodels
✓ Residential & Commercial Builds
✓ Construction Lender Ready
30+ Texas Carriers Compared
Quote Texas Builders Risk Insurance
Enter your 5-digit Texas ZIP code to launch our guided Texas Builders Risk Insurance intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Jobsite Theft & Storm
Protects framing lumber, copper wire, HVAC condensers, cabinets, and appliances before installation.
Soft Costs & Delay Options
Cover construction-loan interest carry, re-permitting fees, and architectural expenses after a covered jobsite fire or tornado.
Builder or Owner Named Insured
Can be purchased by either the Texas general contractor/custom builder or the property owner/investor.
What Texas Builders Risk Insurance covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Completed Value Structure Under Construction: Covers framing, roofing, drywall, plumbing, electrical, and permanent fixtures from zero-ground-up to 100% completed hard construction cost.
- Building Materials On-Site, Off-Site & In Transit: Covers HVAC units, appliances, windows, and custom cabinetry staged on the jobsite, stored temporarily, or en route.
- Existing Structure Coverage (Remodels & Flips): Optional coverage for the pre-existing shell of a Texas fix-and-flip or structural addition—plus new renovation hard costs.
- Soft Costs (Construction Loan Interest & Permits): Reimburses extra construction loan interest, property taxes, architect/engineering fees, and lease-up delays caused by a covered physical loss.
- Scaffolding, Temporary Forms & Debris Removal: Covers temporary construction fencing, forms, and post-storm site cleanup.
- Testing & Mechanical Commissioning: Optional hot/cold testing coverage when energizing commercial electrical, elevator, or HVAC systems.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Apply BEFORE Materials Drop or Framing Starts: Most standard Builders Risk carriers (like Zurich, Travelers, Hartford, Victor) decline or heavily surcharge 'mid-stream' projects once vertical framing has already begun—bind before breaking ground!
- Standard Builders Risk Covers ZERO Premise Liability: Course-of-Construction is an inland-marine property form—always pair with General Liability or Owner's & Contractor's Protective (OCP) / vacant-land GL!
- Existing Structure vs. Renovation Budget on Flips: On a $300k house purchase receiving a $120k gut rehab, make sure BOTH the $300k existing structure AND the $120k renovation hard costs are insured (not just the $120k remodel!).
- When Coverage Terminates: Builders Risk ends automatically upon occupancy, sale/closing, abandonment, or 60–90 days after substantial completion—convert promptly to Homeowners, Landlord, or Commercial Property.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Builders Risk + Contractor GL
Protect both the physical build and third-party jobsite bodily injury/liability.
Smart Texas Pairing
Contractor Tools & Excavators
Builders Risk covers materials going into the building—Inland Marine covers your skid steers, trailers, and crew tools.
Smart Texas Pairing
Performance & Payment Bonds
Bidding commercial or municipal Texas builds? Add Bid, Performance, and Payment surety bonds.
Texas Builders Risk Insurance — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Either party can purchase it depending on your construction contract and bank requirements; the other party (plus construction lender) is listed with an insurable interest / Loss Payee endorsement.
Use 100% of total hard construction costs (materials + labor + contractor overhead/profit)—excluding raw land cost. For remodels, specify Existing Structure value and Renovation Hard Cost separately.
Yes! Specialty renovation/flip programs offer 3-, 6-, 9-, and 12-month policy terms with Vacant Premises Liability bundled in.
Even if standard ground-up markets decline mid-construction starts, we maintain specialty Texas E&S Builders Risk markets capable of writing mid-stream builds after photo verification.
Yes, jobsite theft of building materials destined to become a permanent part of the structure is covered (typically once installed or stored securely per policy terms), whereas contractor tools require an Inland Marine floater.