Compare Builders Risk Insurance Quotes

Compare builders risk insurance quotes with Spot

Builders risk quotes can stop covering the project before it’s done, so Spot checks storage, transit and occupancy terms in each one.

Compare quotes from 20+ builders risk insurance providers

Get StartedHow It Works

Storage, transit and jobsite limits shown stage by stage
Completion and occupancy terms checked against your schedule
Keep your broker or switch, with no commissions on premiums

A contractor and a homeowner stand in front of a new timber house frame, looking up at the roof trusses.

How it works

Share the project and the proposals

Send the project description, schedule and expected completed value with each quote, so every proposal is checked against the same build.

Alder BuildersOrganized by Spot

We follow the materials

Spot compares what each quote says about supplier warehouses, transit and the jobsite, since limits can change at each stage.

Builders risk insurance

Alder Builders · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Test the end date

Ask your Spot team what happens if you open part of the building early or the schedule slips. They check each quote’s completion and occupancy wording.

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MorganAlder Builders

Can you help compare our builders risk insurance options?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

Choose and bind

Pick the quote that runs as long as the build does. Your Spot team helps you bind and keeps the policy handy for your lender and subcontractors.

Insurance documents

Quote comparison

Builders risk insurance

Coverage limits · Policy terms

Alder Builders

What to compare

01
Completed project value
How each quote sets the amount insured and which costs it includes.
02
Limits and deductibles
Compare the proposed limits and deductibles, including how the insurer calculates any percentage deductible and what it is a percentage of.
03
Materials in storage and transit
Whether protection follows materials from the supplier’s warehouse, through delivery and onto the site, and the limit at each stage.
04
Existing structure
In a renovation, whether the quote addresses the existing building or only the new work.
05
Faulty work and resulting damage
How defective design, materials or workmanship is excluded and whether damage that follows is still paid.
06
When coverage starts and ends
How completion, acceptance or occupancy ends construction coverage, and whether a quote ends it for the whole building or only the part opened.
07
Contractor tools
Whether tools are included or need a separate approach from materials going into the building.

Differences to watch for

01
Coverage ending early
Opening part of a building can end coverage for that part while work continues elsewhere.
02
Stage-by-stage limits
Protection at the site doesn’t carry over to storage or transit automatically.
03
Defective work
A quote may pay for the damage that follows faulty work but not the fix for the work itself. The exact wording decides.
04
Percentage deductibles
The same percentage can mean very different dollar amounts depending on what it’s a percentage of.