Builders Risk – Remodeling Insurance

The remodeling builders risk program provides coverage for basic-to-complex residential and commercial renovation projects, with an option to include the existing structure. Policy options include a six-, nine- or twelve-month term and allow for occupancy when the owner is acting as the contractor.

remodeling

Business owners: Contact your insurance agent or broker

Insurance agents

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Appetite

  • Commercial and residential structures during the course of new construction or remodeling

Geography

  • Nationwide

Ineligible risks

  • Mobile homes
  • Registered historical structures
  • Structures built over water

Coverages offered

  • Inland Marine
  • Coverage available on a single structure, reporting form or blanket (deposit premium) basis

  • Provide addresses of project locations
  • Provide total completed value of projects

  • Projects up to $75 million are eligible, subject to underwriting approval

  • Coverage for remodelers (including major structural renovation), purchasers under contract, model homes, model home contents, tools and equipment, trade-ins, and unsold dwellings is available
  • Rating and underwriting guidelines apply
  • Business income coverage, waiver of coinsurance
  • Coinsurance and other coverages are available for commercial structures
  • Residential and small commercial single structure policies are written on an annual basis and may be renewed for up to an additional two years
  • A separate policy will allow two years of additional coverage for unsold dwellings
  • Large commercial policies may be written with customized policy terms
  • $1,000 deductible is standard on all policies
  • A minimum premium ($375 in most states) applies on one-shot policies

  • Admitted

  • Builders are required to have at least two years of general contracting experience

FAQs

Builders Risk Remodeling Insurance from Zurich provides inland marine coverage for residential and commercial renovation projects, ranging from basic remodels to complex renovations. The program is designed to protect property during construction and can include coverage for the existing structure.

Zurich Builders Risk Remodeling Insurance supports:

  • Residential remodeling projects
  • Commercial renovation projects
  • Construction involving basic updates to major structural changes

Coverage is intended for projects taking place during active construction or remodeling and is available nationwide.

Yes. Zurich Builders Risk Remodeling Insurance offers the option to include the existing structure as part of the coverage at actual cash value, subject to underwriting guidelines. This is especially important for renovation projects where damage to the original building is a concern during construction.

Zurich offers flexible policy terms, including:

  • Six month policies
  • Nine month policies
  • Twelve month policies

These options allow coverage to align more closely with the expected duration of the remodeling project.

Yes. Zurich Builders Risk Remodeling Insurance may allow occupancy subject to underwriting guidelines and policy terms. This flexibility helps support renovation projects where part of the building remains in use during construction.

The following risks are not eligible for Zurich Builders Risk Remodeling Insurance:

  • Mobile homes
  • Registered historical structures, and projects that require historical society review or approval
  • Structures built over water

Each submission is reviewed to ensure compliance with underwriting guidelines.

Zurich provides inland marine coverage that can be written on a single-structure basis. 

This flexibility helps support contractors and owners managing one or multiple remodeling projects.

Zurich Builders Risk Remodeling Insurance is available nationwide, subject to underwriting review and jurisdictional requirements.

Policies may be written on admitted basis.

Zurich Builders Risk Remodeling Insurance is well suited for:

  • Property owners undertaking renovations
  • Residential and commercial contractors
  • Developers managing remodel or retrofit projects
  • Owners acting as their own contractor (must have 2+ years of experience)

This coverage helps protect both new work and existing structures during renovation.

To obtain Zurich Builders Risk Remodeling Insurance, businesses can request contact through the Builders Risk Remodeling appetite page on ZProgramsMatch. 

Builders and property owners choose Zurich because of:

  • Coverage designed for renovation specific risks
  • ptions to include existing structures
  • Flexible policy terms and occupancy allowances
  • Strong claims and risk management support

Zurich combines underwriting expertise with construction focused insight to support remodeling projects of all sizes.