Builders Risk & Vacant Building Insurance
Coverage for structures under construction or renovation, and for buildings without occupants.
Who Needs It
- Developers and GCs on new construction
- Owners renovating vacant buildings
- Investors holding vacant property between tenants
What It Covers
- Structure under construction, materials on site and in transit
- Soft costs and delay (optional)
- Vacant building property on a named-peril or special form
- Vacant building liability
What It Does Not Cover
- Faulty workmanship and design
- Theft where the site is unsecured and the form requires security
- Vandalism and water damage on standard property forms after 60 days of vacancy
- Occupancy before the builders risk term ends without conversion
Texas Notes
Texas builders risk is competitive; theft of copper and materials is the frequent claim, and security requirements are enforced.
Florida Notes
Florida projects face wind exposure during framing; named-storm deductibles apply and some carriers exclude wind in hurricane season.
Builders Risk & Vacant Building Insurance Questions We Hear Most
When does builders risk end?
At completion, occupancy, or the term end, whichever is first. Convert to a permanent property policy before you occupy.
Why is a vacant building hard to insure?
Vacancy invites vandalism, water damage, and fire. Standard forms cut coverage after 60 days; a vacant-building policy restores it at a higher rate.
Related Coverage Guides
Get Builders Risk & Vacant Building Insurance Quoted the Right Way
Two minutes on our Smart Intake. Check the Builders Risk & Vacant Building Insurance box and we reveal only the underwriting questions that line needs, then a licensed Texas and Florida advisor compares 30+ carriers. No pressure, no runaround.
Start My Quote All coverage guides →This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.