---
title: "Does Builders Risk Cover Houses?"
description: "Notify your home insurer before remodeling and confirm which policy covers the house, materials, and temporary lodging."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-houses"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Houses?

Notify your home insurer before remodeling and confirm which policy covers the house, materials, and temporary lodging.

Yes, builders risk can cover a house while it is being built or substantially renovated. For a remodel, ask whether the policy covers the existing house as well as new work and coordinate it with your homeowners policy. Those descriptions do not establish terms for a particular home project. Clarify whether the owner, general contractor, or both have an insurable interest, and whether the existing home, materials, and temporary lodging costs are included. Check project value, occupancy, theft conditions, and the transition to a homeowners policy when construction ends. For a home renovation, the owner’s existing homeowners policy should be reviewed before work starts; the Insurance Information Institute specifically advises notifying the insurer about remodeling and considering builders risk for a larger project. Ask whether the house, contractor-supplied materials, and temporary living costs are covered, and confirm the home policy resumes or changes when construction is complete.

## Related Questions

- [Does Builders Risk Cover Commercial Buildings?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-commercial-buildings)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)
- [Does Builders Risk Cover Theft?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-theft)
- [Does Builders Risk Cover Vandalism?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-vandalism)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25.
2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.
3. [If You Are Planning to Remodel Your Home, Notify Your Insurance Company First](https://www.iii.org/press-release/if-you-are-planning-to-remodel-your-home-notify-your-insurance-company-first). Insurance Information Institute; Home remodeling advice, item 1. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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