---
title: "Does Builders Risk Cover Renovations?"
description: "Yes, builders risk can cover renovation work, but the policy must address the existing structure and any occupied areas."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-renovations"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Renovations?

Yes, builders risk can cover renovation work, but the policy must address the existing structure and any occupied areas.

Yes, builders risk can cover renovation work, but the policy must address the existing structure and any occupied areas. California’s guide includes additions, alterations, and repairs; ask the insurer to list the existing building and new work separately. Oregon’s model clauses also refer to substantial alterations and remodeling. These are general descriptions; they do not override the specific policy schedule or exclusions. Describe the work, total value, existing structure, occupancy, and portions left in use. Check whether demolition, temporary relocation of property, phased work, and completed areas are covered, and whether the existing building needs its own limit. Review exclusions for faulty construction and damage to the part being worked on. The current owner’s property policy and the builders risk policy may address different interests or parts of the building during renovation. Notify the incumbent insurer and coordinate written terms before demolition or alteration starts. Ask whether the old structure is scheduled at full value, whether new work is insured as it accumulates, how occupied areas are treated, and how coverage transfers after completion.

## Related Questions

- [Does Builders Risk Cover Remodeling?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-remodeling)
- [Does Builders Risk Cover Demolition?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-demolition)
- [Does Builders Risk Cover Tenant Improvements?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-tenant-improvements)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

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

## Sources

1. [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.
2. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Builder’s Risk; Form 700 revised June 14, 2024. Accessed 2026-09-25.
3. [Insurance Clauses – Builders Risk](https://www.oregon.gov/das/risk/pages/insclausesbldrsrisk.aspx). Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25.

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

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