Kretschmer Insurance: Providing Personal Builders Risk Insurance for Your Florida Home

What is Personal Builders Risk Insurance?

Personal Builders risk insurance, also referred to as course of construction insurance, covers a person's insurable interest in materials, fixtures and/or equipment to be installed during the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

The policy can be purchased by either the construction/renovation company or the owner of the property. Depending on what you’re building and where, personal builders risk insurance is often required to comply with government regulations or as a condition to meeting banking or other contractual arrangements.

Personal builder’s risk insurance will provide coverage for damage done to the under construction or renovation structure that is insured. Common liabilities covered include:

• Fire
• Storm
• Theft
• Vandalism

Personal builder’s risk insurance does not cover personal injury/worker’s comp for employees working on the structure.

You can trust Kretschmer Insurance to protect you, your family, and your investments. We work tirelessly for our clients. We promise to find you the homeowners insurance coverage that fits your unique needs and budget.

We will never suggest coverages you don't need, either. Our experienced agents will give you personalized attention, designing a unique, customized policy. And we’ll take the time to review and outline every aspect of the policy and answer all your questions. Whether your question is regarding what the purpose of home insurance is to how much insurance you should have on your home, we have the answers you need. From beginning to end, you can count on us to deliver high-quality results.