Homes Under Construction

Homes Under Construction

January 11, 2022

Homes Under Construction 

It’s more than a home. It’s a labor of love. Protect it! 

Building or renovating a home is an exciting project. So, you’ll want to ensure your new home is protected during construction. 

You can insure your home while it’s under construction with a standard home insurance policy, while adding options unique to your situation. Such a policy could include: 

  • Great coverage and benefits included with a standard home insurance policy.  
  • Theft protection for building materials on the construction site that are not yet installed. 
  • The ability to easily renew your policy once your home is completed. 


The policy I perfect for these homeowners:  

  • Owner Occupied Renovation – You're living in the home while conducting the renovations on more than a 40% of the home. 
  • Non-occupied Renovation – You're living elsewhere for more than 60 days while your home is being renovated.  
  • New Build on Vacant Land – You're building a new home on a vacant plot of land.  


A home insurance policy might be the right fit if your project meets these criteria:  

  • Construction must be complete by a licensed, bonded and insured contractor. 
  • Construction must be completed within 12 months from the policy effective date.  
  • After project completion, home must be occupied by the policyholder/customer.  
  • The insured customer must be the homeowner, not the contractor.