Can You Buy Six-Month Builders Risk Insurance?
Some programs offer a six-month option for certain projects; availability and extension terms depend on the insurer and the project.
Six months is an option in US Assure’s remodeling policy application guidance, which asks applicants in that program to select a six-, nine-, or twelve-month term. That does not guarantee the same term for a new home, commercial project, another insurer, or a different state. Ask the insurer to confirm eligibility and exact policy dates.
Estimate the full schedule, including inspections, testing, deliveries, and handover. If the work may continue beyond the initial term, ask how early to seek an extension and whether the underwriter must approve it. US Assure says renewal is not automatic for its program, so do not rely on assumed renewal.
Compare the six-month premium with a longer term, any minimum premium, cancellation terms, and extension costs. Review the policy’s completion, occupancy, and acceptance triggers, then arrange permanent property insurance before builders risk protection stops.
Related Coverage
Sources
- Commercial Insurance Guide. California Department of Insurance; Form 700, revised June 14, 2024: Commercial Property > Coverage Forms and Endorsements > Builder’s Risk; Inland Marine; How Can I Purchase Commercial Insurance?; What Should I Expect from a Broker-Agent? Accessed 2026-09-25.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, copyright 2017 (illustrative specimen): A.1–3, printed pp. 1–2; B, printed pp. 9–11; C–E, printed p. 12. Accessed 2026-09-25.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips, p. 1; Remodeling policy application tips, p. 2. Accessed 2026-09-25.
