Builder’s Risk Insurance in Texas

Protection During Construction or Renovation

Builder’s risk insurance protects construction projects against damage before completion. Whether you’re building from the ground up or renovating, this policy covers materials, equipment, and labor invested so far.

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What’s Included in Builder’s Risk Coverage

Our Houston-area clients often choose:

Structure Under Construction

Covers the building or addition while it's being built.

Construction Materials

Insures lumber, tile, and other materials on-site, in transit, or temporarily stored.

Theft & Vandalism

Protects against common jobsite risks, especially after-hours losses.

Weather Damage

Covers wind, fire, lightning, and other covered perils (excluding flood or earthquake unless added).

Scaffolding & Temporary Structures

Includes forms, fencing, signs, and other support structures.

Soft Costs (Optional)

Can reimburse permit fees, architectural costs, or loan interest from project delays.

Builder’s Risk Insurance FAQs

  • Who buys builder’s risk insurance?

    Contractors, property owners, developers, and sometimes lenders.

  • When should the policy start and end?

    Starts before construction begins; ends at project completion or occupancy.

  • Does it cover tools or equipment?

    Not typically—inland marine may be needed for mobile tools.

  • Is flood or earthquake included?

    No. These can be added by endorsement.

  • What if there are multiple parties on the project?

    We can list owners, contractors, and subs as named insureds or additional insureds.

  • Can I get short-term coverage?

    Yes—many policies offer flexible terms for 3, 6, or 12 months.

Build with Confidence

At DeShazo Insurance, we help you protect construction projects from the ground up. Whether you’re a contractor or property owner, we’ll help you find the right coverage from start to finish.