Builder’s Risk Insurance in Texas

Coverage for the job before it's finished.

If you’re building a new home, remodeling a structure, or managing a commercial project, builder’s risk insurance helps protect the work in progress. At Tatum Insurance Group, we help contractors, property owners, and developers across East Texas get the right coverage for materials, labor, and tools—before the final walkthrough ever happens.

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When it’s not finished, it still needs protection.

Construction projects face a lot of risk—fire, theft, vandalism, even weather delays. A builder’s risk policy (also called course of construction insurance) helps protect your materials, equipment, and investment while the project is underway. Whether you’re a general contractor or a homeowner building from the ground up, we’ll help you figure out what coverage is needed—and who should carry it.

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Protect the Structure, the Site, and the Timeline

This short-term policy covers damage to buildings under construction or renovation. It’s flexible, customizable, and essential for staying on budget and on schedule.

Structure Under Construction

Covers damage to the building from fire, theft, vandalism, or severe weather.

Materials & Supplies

Protects stored materials on-site or in transit.

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Temporary Structures

Covers scaffolding, fencing, and other jobsite essentials.

Soft Costs & Delays

Optional coverage for lost income, financing, and overhead due to covered delays.

Got questions about builder’s risk insurance in Texas?

  • What is builder’s risk insurance and who needs it?

    It’s insurance for buildings under construction or renovation. Contractors, homeowners, and property developers may all need it depending on the contract.

  • Who provides builder’s risk insurance—the contractor or the owner?

    It varies. Sometimes the contractor carries it, sometimes the owner. We’ll help figure out who’s responsible and get the right policy in place.

  • Does homeowners insurance cover construction or remodel projects?

    Typically no. Standard homeowners policies don’t cover major construction or renovations—builder’s risk fills that gap.

  • How much does builder’s risk insurance cost?

    It depends on project size, duration, location, and scope. We’ll quote options that fit your budget and your build.