Builders Risk Insurance in Katy, TX.
Builders risk (course-of-construction) insurance protects new builds, renovations, and additions from fire, wind, theft, and vandalism during the project. Written for residential construction, custom homes, and light commercial.
Local context
Why Katy operators call us.
Katy is contractors, fleets, HOAs, and daycares — the same lineup as central Houston, moved 25 miles west and growing every quarter. We've been placing builders risk coverage for businesses across Fort Bend / Harris for more than 30 years — the same specialty markets we use for Houston clients, priced against Katy's local exposures.
What it covers
Inside the policy.
- The structure under construction
- Materials and supplies on the job site
- Temporary structures and scaffolding
- Debris removal
- Wind and named storm (per policy form)
How we write it
Our approach for Katy.
- Coverage from foundation through final punch list
- Materials on-site, in-transit, and in temporary storage
- Wind, hail, fire, theft, and vandalism
- Soft-cost and lost-rents options
- Written for single-family, spec homes, and small commercial
FAQ
Builders Risk questions from Katy clients.
Who should carry the builders risk policy?
Usually the owner or the general contractor — whoever has the insurable interest in the structure. Contract language typically dictates it; we help you read the clause and match the policy to the deal.
When does coverage end?
At the earliest of: substantial completion, occupancy, sale, or the policy term ending. After that a permanent property policy takes over.
More Katy coverage
Same coverage, other cities
Get a real quote
Builders Risk insurance in Katy — done today.
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.