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201 W Del Mar Blvd, Suite 20
Laredo, TX 78041

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7550 W Interstate 10 Suite 800-815
San Antonio, TX 78229

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AlphaSure Affordable Insurance Svcs Blog

Do You Need Builder’s Risk Insurance?

Builder's Risk Insurance San Antonio

Home Flippers May Need a Builder’s Risk Insurance Policy

A homeowner’s insurance policy is intended for homeowners who will occupy the dwelling. In essence, you must occupy the dwelling within 30 days of purchase. Yet it is not uncommon for remodeling to be completed prior to the move in date. However, home insurance coverages will void when the home remains vacant for greater than 30 days. Coverages are voided after 30 days due to the vacancy clause. Thus, this exclusion may make it necessary to consider buying a builder’s risk insurance policy.

Vacant Dwelling Endorsement or a Builder’s Risk Insurance Policy?

Some homeowners’ insurance policies allow adding a vacancy clause endorsement. Thus, adding this endorsement removes the vacancy clause. However, when there is too much remodeling needed, then the homeowner’s policy may be ineligible. As a result, a builder’s risk insurance policy is in order. Moreover, a builder’s risk insurance policy can cover the value of the existing structure plus the value remodeling. Additionally, consider adding theft coverage to your policy. In addition, be sure to talk to your agent about adequate personal property limits and theft coverage.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

For directions to our San Antonio office, click on our Google listing

In Laredo, TX

AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

For directions to our Laredo office, click on our Google Listing

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