{"id":10082,"date":"2026-04-23T07:45:49","date_gmt":"2026-04-23T12:45:49","guid":{"rendered":"https:\/\/www.tsinsurancetx.com\/?p=10082"},"modified":"2026-04-23T07:45:49","modified_gmt":"2026-04-23T12:45:49","slug":"do-you-need-builders-risk-insurance-for-home-renovations","status":"publish","type":"post","link":"https:\/\/www.tsinsurancetx.com\/es\/blog\/do-you-need-builders-risk-insurance-for-home-renovations\/","title":{"rendered":"Do You Need Builders Risk Insurance for Home Renovations?"},"content":{"rendered":"<p>Renovating your home is an exciting opportunity to enhance your living space, but it also\u00a0often involves new and enhanced\u00a0risks.\u00a0With this in mind, adjusting\u00a0and fortifying your insurance portfolio is\u00a0likely a\u00a0necessity. Specifically, if\u00a0you\u2019re\u00a0planning to make physical alterations to your home, you should typically invest in\u00a0<a href=\"https:\/\/www.tsinsurancetx.com\/coverage\/builders-risk\/\">builders risk insurance<\/a>.<\/p>\n<h2>What Is Builders Risk Insurance?<\/h2>\n<p>Builders\u00a0risk insurance, also known as course of construction insurance,\u00a0is a\u00a0type of\u00a0policy designed to cover property and materials while a\u00a0building\u00a0is under construction or renovation. Unlike standard\u00a0homeowners\u00a0insurance, which may exclude damage related to major renovations, builders risk insurance can help protect against losses\u00a0caused by various common incidents,\u00a0such as fire, theft,\u00a0vandalism\u00a0and certain weather events that\u00a0may\u00a0occur during the project.<\/p>\n<h2>When\u00a0Should You Get Coverage?<\/h2>\n<p>While not every home improvement requires\u00a0builders\u00a0risk coverage, many types of changes that alter the physical structure of the home or the property\u2019s footprint\u00a0likely will.\u00a0Specifically, you may want to consider it if your renovation involves:<\/p>\n<ul>\n<li>Structural changes (e.g.,\u00a0adding rooms or removing walls)<\/li>\n<li>Major systems upgrades (e.g.,\u00a0electrical, plumbing\u00a0and\u00a0HVAC)<\/li>\n<li>Large-scale remodeling or additions<\/li>\n<li>Extended timelines where your home may be exposed to the elements<\/li>\n<\/ul>\n<p>Some lenders or contractors may require\u00a0that\u00a0builders\u00a0risk insurance\u00a0be in place\u00a0before work begins, especially for\u00a0larger\u00a0projects.<\/p>\n<h2>What Does Builders Risk Insurance Cover?<\/h2>\n<p>A\u00a0builders\u00a0risk policy can\u00a0typically help\u00a0financially\u00a0protect:<\/p>\n<ul>\n<li>The existing structure and new construction<\/li>\n<li>Temporary structures (e.g., scaffolding and fences)<\/li>\n<li>Building materials stored on-site or in transit<\/li>\n<li>Fixtures and equipment used in the renovation<\/li>\n<li>Important documents (e.g., blueprints and contracts)<\/li>\n<\/ul>\n<h2>How Can I Get the Right Coverage?<\/h2>\n<p>If\u00a0you\u2019re\u00a0planning a renovation, our team at TS Insurance can help you\u00a0determine\u00a0if builders risk insurance is right for your project and guide you through your coverage options.<\/p>\n<p><a href=\"https:\/\/www.tsinsurancetx.com\/contact-us\/\">Contact us today<\/a>\u00a0to\u00a0discuss your needs\u00a0and options\u00a0with our experienced team.<\/p>\n<p>&nbsp;<\/p>\n<p><i>This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Renovating your home is an exciting opportunity to enhance your living space, but it also\u00a0often involves new and enhanced\u00a0risks.\u00a0With this in mind, adjusting\u00a0and fortifying your insurance portfolio is\u00a0likely a\u00a0necessity. Specifically, if\u00a0you\u2019re\u00a0planning to make physical alterations to your home, you should typically invest in\u00a0builders risk insurance. What Is Builders Risk Insurance? Builders\u00a0risk insurance, also known as [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":10085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"%%post_title%% %%post_title%%","_seopress_titles_desc":"If\u00a0you\u2019re\u00a0planning a renovation, our team at [zy_company_name] can help you\u00a0determine\u00a0if builders risk insurance is right for your project and guide you through your coverage options.","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1,26],"tags":[],"class_list":["post-10082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-builders-risk"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/posts\/10082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/comments?post=10082"}],"version-history":[{"count":0,"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/posts\/10082\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/media\/10085"}],"wp:attachment":[{"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/media?parent=10082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/categories?post=10082"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tsinsurancetx.com\/es\/wp-json\/wp\/v2\/tags?post=10082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}