Builder’s Risk Insurance for Contractors
Protect structures, materials, and projects during construction and renovation across CA, ID, NV, OR, TX, WA, AZ & CO.
Who writes builders risk insurance?
Hard Hat Insurance writes builders risk for new construction, remodels and renovations, including projects many agents can't place: spec homes, owner-builders, vacant renovations, house flips, projects already under way and large commercial builds. Licensed broker Jesus Galvan places builders risk through Bearstar Insurance Services with national carriers, builders risk specialty programs and Lloyd's of London markets, in California, Idaho, Nevada, Oregon, Texas and Washington, plus Arizona and Colorado. Owners, developers, investors and general contractors can all buy it.
Call (949) 868-7350 · Oregon (971) 430-4717 · Washington (509) 355-9480 · Se habla español. Builders risk questions answered →
Request your bindable proposal
Send your details and we'll prepare a firm builders risk proposal. The estimate you saw in the calculator is added automatically. Prefer the full application? It's further down this page.
How much does builders risk insurance cost? Sample rates by state
Sample 12-month builders risk premiums for a $300,000 ground-up home (frame construction, $5,000 deductible), from live express-rating indications we ran in November 2026. Prices are plus fees and any applicable taxes, and every quote is subject to underwriting and the exact location of the project.
Texas: San Antonio, New Braunfels, Seguin, Round Rock, Leander, Bastrop, Conroe and El Paso about $603 (0.201 per $100). Dallas, Fort Worth, Frisco, Denton and Forney about $654 (0.218). Austin, Kyle, Houston, Katy, Waco, Killeen, McAllen and Lubbock about $1,008 (0.336); Houston drops to about $654 with wind and hail excluded. Pearland, League City and Corpus Christi about $1,512 with wind (0.504), or about $624 with wind and hail excluded in Pearland. Galveston Island and sites on tidal water need a full application.
California: Sacramento about $411 (0.137). Los Angeles and Riverside about $516 (0.172).
Colorado: Denver, Colorado Springs, Aurora, Lakewood, Thornton, Castle Rock, Boulder, Fort Collins, Greeley, Pueblo and Grand Junction about $579 (0.193).
Nevada: Las Vegas about $579 (0.193).
Arizona: Phoenix about $528 (0.176).
Idaho: Boise about $528 (0.176).
Oregon: Portland about $552 (0.184).
Washington: Seattle about $613 (0.204).
The rate stays about the same as the completed value goes up, so a $600,000 home in Austin is about $2,016. The minimum premium is $400. A $10,000 deductible lowers the rate about 6%, and a $1,000 deductible raises it about 25%. Remodels and renovations are priced case by case because they depend on the work, the area and the condition of the existing building.
Use the free builders risk premium estimator to price your own project, or read builders risk insurance questions answered.
Get a Builder’s Risk Quote
Select the type of project below to get started. Each form is designed to capture the right information for accurate builder’s risk coverage.
What Is Builder’s Risk Insurance?
Builder’s risk insurance is a specialized form of property insurance that helps protect buildings and materials while a project is under construction or renovation. Coverage typically applies during the course of construction and ends once the project is completed or occupied.
Builder’s risk insurance is commonly required by lenders, property owners, and contracts for both new construction and remodel projects.
Why Contractors Need Builder’s Risk Insurance
Construction projects face unique risks before completion. Builder’s risk insurance helps protect against losses that standard property or liability policies do not cover.
Protects structures during construction or renovation
Covers materials, supplies, and fixtures on‑site
Often required by lenders and project owners
Helps prevent costly out‑of‑pocket losses
Provides peace of mind during the build process
What Builder’s Risk Insurance May Cover
Coverage varies by policy and carrier, but builder’s risk insurance may include protection for:
Buildings under construction
Materials, supplies, and fixtures
Temporary structures
Theft and vandalism
Fire and weather‑related damage
Coverage terms, limits, and exclusions vary by policy and carrier.
Click the button for a new construction quote or remodel quote:
Builder’s Risk Insurance Across the Western United States
We assist contractors with builder’s risk insurance in the following states:
California • Nevada • Texas • Arizona • Oregon • Colorado • Washington and more.
Builder’s Risk Insurance FAQ
Is builder’s risk required for construction projects?
Builder’s risk insurance is often required by lenders, property owners, and contracts, especially for new construction.
Who should purchase builder’s risk insurance?
Depending on the contract, builder’s risk may be purchased by the contractor, property owner, or developer.
Is builder’s risk the same as general liability?
No. Builder’s risk covers property during construction, while general liability covers third‑party claims.
How long does builder’s risk coverage last?
Coverage typically lasts for the duration of the construction project and ends upon completion or occupancy but most companies offer from 3 months to a 12 month term with the option to renew.
Can you insure renovation projects?
Yes. Builder’s risk coverage is available for remodels and renovation projects, subject to underwriting.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S.
Coverage availability, limits, terms, and exclusions vary by state and carrier underwriting guidelines.
This content is for informational purposes only and does not constitute a binder of coverage.
Ready for a Quote?
Call or choose the correct Quote request button below to get a quote today!
Builder’s Risk Insurance for New Construction
Use the form below to request a builder’s risk quote for new construction projects. This form is designed for ground‑up builds, additions, and new structures.
Builder’s Risk Insurance for Remodels & Renovations
For remodels, tenant improvements, or renovation projects, use the form below. Coverage needs differ from new construction, and this form helps capture the right details.
Contact
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info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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