08/05/2026
Insurance may not be the most exciting part of building a home, but it’s an important conversation to have before construction begins.
Ask your builder:
🏠 Do you carry general liability and workers’ compensation insurance?
🔨 Are your subcontractors properly insured?
🛡️ Who is responsible for builder’s risk insurance during construction?
🌊 Do I need flood insurance while the home is under construction?
You should also speak with your insurance agent and lender to determine what coverage you need as the property owner. Requirements can vary depending on the builder, contract, financing and property location—so never assume you’re automatically covered.
Asking the right questions before you build can help protect your investment and prevent unexpected surprises later!