Backyard of a house under construction with scaffolding, bricks, construction materials, and tools scattered around, and a partially built extension onto the main house.

🏗️ COURSE OF CONSTRUCTION INSURANCE

Protect Your Dream While It's Being Built

Before the Keys... Before the Paint... Before the Walls Even Go Up

You're building something big — a new home, a remodel, an investment property.
But here’s the surprising truth:

🔥 Most standard homeowners policies do NOT cover construction risks.
And during construction, your project is at its most vulnerable.

From fires, theft, vandalism, weather damage — one unexpected event can derail your entire timeline, budget, and vision.

Course of Construction Insurance protects your investment while it’s still taking shape.

💡 What Is Course of Construction Insurance?

Also known as Builder’s Risk Insurance, this is a specialized policy that protects structures under construction or renovation.

It typically covers:

  • Fire and weather damage (wind, lightning, hail)

  • Vandalism or theft of materials and equipment

  • Collapse or structural damage during building

  • On-site materials waiting to be installed

  • Temporary structures like scaffolding or fencing

  • Soft costs like architect fees, permits, or loan interest (optional add-ons)

🛑 Without it, you may be paying out-of-pocket for damages that standard homeowners or contractor policies won't cover.

🧱 Who Needs This Coverage?

If you’re:

  • Building a custom home

  • Renovating an existing structure

  • Adding a major extension

  • Acting as an owner-builder or hiring a general contractor

  • Investing in new construction for resale or rental

...then you need Course of Construction Insurance. Even a short project can turn into a financial setback without proper protection.

⚠️ Common Misunderstandings (That Cost Thousands)

❌ “I already have homeowners insurance.”
✅ Most homeowner policies exclude damages during construction or major renovation.

❌ “My contractor’s insurance covers it.”
✅ Contractors may have general liability, but it rarely protects your structure, timeline, or materials.

❌ “I’ll take the risk — it’s only a few months.”
✅ Fires, theft, and storms don’t check your calendar. Even a one-week delay can cost thousands.

🛡️ Why Choose Us for Course of Construction Insurance?

We know the construction process is complicated — your insurance shouldn't be.

✅ Policies tailored to your build timeline and project size
✅ Clear guidance on what’s covered (and what’s not)
✅ Fast quotes and flexible terms
✅ Support with permitting, lender requirements, and inspections
✅ Options to bundle with homeowners or investment property coverage after completion

🚧 Covered. Confident. Construction-Protected.

Your dream home or project deserves more than hope — it deserves a safety net.

📲 Request a Course of Construction quote today
Let’s make sure your investment is protected from groundbreaking to grand opening.

🧭 Final Thought:

Once your project is finished, you’ll have homeowners or landlord insurance in place.
But right now — while it's still a blueprint or halfway built — it’s exposed.

Cover it now, not after the damage.
Because protecting your dream means protecting the entire journey.