Looking for Builders Risk Insurance in North Texas?
When you’re building or remodeling in Dallas, Fort Worth, or anywhere in North Texas, protecting your investment is essential. That’s where Builders Risk Insurance—also known as Course of Construction Insurance—comes in.
This specialized coverage protects buildings under construction or undergoing major renovations. Depending on your policy, it can cover just the structure itself, or extend to materials stored on-site, awaiting installation, or even in transit to your project.
What Does Builders Risk Insurance Cover?
A builders risk policy provides protection against unexpected losses during construction. Coverage typically applies up to the policy limit, which should reflect the total completed value of the project (including materials and labor, but excluding land).
Common covered risks include:
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Fire
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Windstorms (limitations may apply in coastal regions)
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Theft
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Lightning
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Hail
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Explosions
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Vandalism
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Damage from vehicles or aircraft
What’s Not Covered?
Like all insurance policies, builders risk insurance has exclusions. Some of the most common include:
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Earthquakes
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Flooding or water damage
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Employee theft
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Weather damage to property stored in the open
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War or government action
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Contract penalties
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Mechanical breakdowns
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Voluntary parting with property
A critical exclusion to understand is damage caused by faulty design, planning, workmanship, or materials. However, earthquake and flood coverage can often be purchased separately in some parts of Texas.
Policy Terms and Costs in North Texas
Builders risk insurance is typically available in 3, 6, or 12-month terms. If your construction project isn’t completed within the initial term, many policies allow a one-time extension.
The cost of builders risk insurance in Dallas–Fort Worth and North Texas depends on factors like:
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Construction budget (the best tool for setting coverage limits)
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Project type (new construction vs. renovation)
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Materials used
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Location-specific risks
How to Get Started on Your Builders Risk Insurance Quote
At EIS Texas, we make the process simple and tailored for contractors and property owners across North Texas. Whether you’re in Dallas, Fort Worth, Plano, or Denton, we’ll help you find the right coverage to keep your project moving forward with confidence.
Call our office today, or start your quote online by submitting a few basic details. We’ll handle the rest and ensure you get the protection you need for your next build.