---
title: "Builders Risk Insurance Quotes"
description: "Get builders risk quotes with Spot: we describe your project, materials and schedule, take one submission to market and compare what each quote protects."
canonical: "https://spot.insure/insurance/builders-risk/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/builders-risk/quotes)

## Agent Guide

**What this page is:** Get builders risk quotes with Spot: we describe your project, materials and schedule, take one submission to market and compare what each quote protects.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Get builders risk insurance quotes with Spot

Walk your Spot team through the project, its materials and who is responsible for it, and we prepare the submission brokers use to quote builders risk.

- Project, materials and schedule described once
- New work and existing structure kept apart in the quote
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=builders-risk&icp=construction)

## How it works

- **Describe the project.** Tell us what you’re building, whether it’s new construction or a renovation, and who owns it. Your Spot team asks who is buying the policy under the contract.
- **Add values and materials.** We list the completed project value, where materials are stored and shipped from and which items are your contractor’s tools.
- **Brokers take it to market.** We work with brokers to request builders risk proposals, and follow up on underwriters’ questions about the build.
- **Compare what is protected.** See whether each quote includes storage and transit, the existing building in a renovation and early occupancy.

## What you’ll need

- **Project description.** New construction or added work, and the phases and project areas to include.
- **Completed value and changes.** What the project will be worth when finished, and how changes will be reported.
- **Existing structure in a renovation.** The older building, described separately from the new work.
- **Materials and fixtures.** Items intended for the building, with where they are stored and how they are shipped.
- **Contractor tools.** Whether they’re included or need separate coverage.
- **Who buys the policy.** Who the contract makes responsible, agreed with the owner and contractor so the project isn’t insured twice or not at all.
- **Schedule and occupancy plans.** Expected completion and any phased opening, since occupancy can affect when builders risk ends.

## What affects your price

- **Project value.** A larger or more costly build means more to insure.
- **Type of construction.** New construction and renovation are rated differently.
- **Length of the build.** A longer schedule means a longer exposure period.
- **Materials in storage and transit.** Items stored off site or moved to the site add exposure.
- **Deductibles and limits.** A higher deductible lowers the premium and higher limits raise it.

## Coverage

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

## Common questions

### Does builders risk cover the existing building in a renovation?

Not always. A sample form we reviewed excludes it, so we keep new work and the existing structure separate when we compare quotes.

### Are materials stored off site covered?

Only if storage and transport are included. We check that on each proposal.

### What if we open before construction ends?

Occupancy can end builders risk. Tell your Spot team about the phased opening so construction and finished-building coverage can be coordinated.

### Who buys the policy, the owner or the contractor?

Your contract decides, so agree it first. Spot works with the broker on the project and takes no commissions on premiums.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/builders-risk/quotes.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)