---
title: "Can You Buy Six-Month Builders Risk Insurance?"
description: "Yes, some programs offer six-month terms; US Assure lists that option for its remodeling program."
canonical: "https://spot.insure/insurance-faq/builders-risk/six-month-builders-risk-insurance"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Can You Buy Six-Month Builders Risk Insurance?

Yes, some programs offer six-month terms; US Assure lists that option for its remodeling program.

Yes, some programs offer six-month terms; US Assure lists that option for its remodeling program. The term may not be offered for every project, so confirm eligibility, exact dates, and extension costs. 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 Questions

- [When Do You Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/when-to-buy-builders-risk-insurance)
- [When Does Builders Risk Coverage End?](https://spot.insure/insurance-faq/builders-risk/when-does-builders-risk-coverage-end)
- [How Do You Get a Builders Risk Insurance Quote?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-quote-online-same-day)
- [Can a Builders Risk Insurance Cost Calculator Give You a Quote?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-cost-calculator)

## Related Coverage

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

## Sources

1. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
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, 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.
3. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips, p. 1; Remodeling policy application tips, p. 2. Accessed 2026-09-25.

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

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