Protect your home during construction.
Course of construction insurance to help protect you.
Did you know you can protect your properties even before they are finished being built? Course of construction insurance protects from risks like fire, theft, and more.
Under construction? Then you need course of construction insurance
Course of construction insurance is effectively a form of property insurance that covers the period while the home is still under construction. Most commonly this is needed when the contractor, builder, requests you to carry your own policy.
What does a course of construction policy cover?
The key areas of coverage are damage caused by events such as fire and hail storms. You’ll also normally be covered for theft, vandalism, and damage caused by vehicles or aircraft hitting the building. To make sure coverage levels are adequate, we do review your blueprints or plans, along with the purchase contract. You’ll need to check how long the policy runs as it typically won’t allow repeated extensions of the construction timeline. Optionally, you can add coverage for your personal belongings. Example, you have your belongings in a storage unit during construction and need coverage for them while stored.
Coverages that are not included.
It’s important to be aware of what course of construction insurance doesn’t cover. Unless specifically stated, it won’t cover specific increased risks such as flooding on a beachfront construction or earthquakes near a fault line.
If course of construction insurance sounds right for you, contact us today for a quote.
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