Building a house is exciting! And it brings challenges, including insurance.

Do you need insurance? Does your builder cover everything? For how long?  Until what stage in the construction?

The answer about whether you need insurance is…maybe! Consult with your builder, closing agency, attorney and your insurance professional.  It differs in many cases.  But ownership usually dictates the need for insurance.

Is a contractor developing an entire new neighborhood in which you choose a model and become the owner only when it is “move-in” ready? Do you already own land and you are contracting with a builder to erect a house?   Are you playing “general contractor”, coordinating specialists to build your new home?  The answers to these questions, along with other factors, will help us determine how soon you need coverage.

If you have questions, visit our website’s Consumer Info section (, or contact us

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