Builders Risk Insurance in Texas

Builders risk insurance covers the building under construction or renovation, along with materials, fixtures, and supplies on the job site, against physical loss from causes such as fire, wind, hail, theft, and vandalism. It does not cover liability for injuries on the site, workers’ compensation, or damage after the project is finished and the building is occupied.

In Texas, unfinished homes and commercial builds sit open to severe storms, hail, and theft of lumber, copper, and equipment overnight. Builders risk is the policy that responds to those job-site losses so weather or theft does not erase months of progress and material cost.

Steve White Insurance Group works with Texas builders, developers, and property owners to align limits and deductibles with the project so the policy fits the risk instead of a one-size template from a single carrier.

Builders risk insurance is designed for general contractors, owner-builders, real estate developers, and property owners funding new construction or major renovations in Texas. It protects the structure and materials while work is underway; it does not replace general liability coverage and does not protect the finished building after occupancy or handover.

Set coverage limits to the full completed value of the project, including materials, labor, and permanent fixtures. A limit set too low can leave a shortfall if a total loss hits near the end of the build; a higher limit can raise the premium, so weigh completed value against cash flow with your agent before you bind.

Deductible choice is a straight trade-off. A higher deductible may lower what you pay for the policy, but you fund more out of pocket after a fire, theft, or storm claim. In Texas, where hail and wind often hit open job sites, many buyers pick a deductible they can actually pay without stalling the schedule.

Common add-ons include soft-cost coverage for extra interest, permits, and extended overhead after a delay; coverage for an existing structure on a renovation; and theft of building materials left on site. Not every carrier packages these the same way, and some endorsements may not fit every project type.

Eligibility and pricing depend on project scope, location, construction methods, and your experience. Steve White Insurance Group shops builders risk across carriers we represent—including Travelers, The Hartford, Progressive, Chubb, and others—so you can compare limits, deductibles, and add-ons side by side before you break ground.

Steve White Insurance Group is an independent agency serving Texas builders and property owners, so we shop builders risk coverage across 13 carriers—AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—instead of locking you into a single insurer’s product.

With 20 years in business, we work for you, not the carrier: we help you compare limits, deductibles, and job-site options side by side, then stay your single point of contact if a claim arises during construction.

When you are ready, request a free, no-obligation quote at (214) 865-9966 and we will walk through what may fit your Texas project without pressure to buy.