Builder’s Risk Insurance in Georgia – Protect Your Construction Projects

Reliable coverage from a local agent who understands your build.

At The Elkins Agency, we help builders, contractors, investors, and property owners protect their construction and renovation projects with tailored builder’s risk policies. Whether you’re completing a small remodel or managing a major new build, we make the process clear, personal, and easy.

What Your Policy Should Cover in Atlanta, GA 

We break down what a strong builder’s risk policy includes — and why it matters.

Construction worker wearing safety gear examines tiles in a room with supplies.

Structure & Property Coverage

Covers the building under construction against perils like fire, theft, wind, and vandalism — typically written on actual cash value or replacement cost, depending on carrier and project type.

Materials, Supplies & Equipment

Protects building materials on-site, in transit, or temporarily stored off-site until they’re needed for installation.

Soft Costs (Optional)

Reimburses extra expenses from construction delays due to a covered loss — such as additional architectural fees, engineering, permit costs, loan interest, and more.

Why Builder’s Risk Insurance Is Essential in Atlanta, GA 

  • Property Insurance vs. Builder’s Risk

    Standard homeowners or commercial property policies aren’t designed for active construction sites. A builder’s risk policy covers a structure while it’s being built, remodeled, or renovated — including materials, equipment, and exposures unique to construction.

  • Risks During Construction

    From fire, severe weather, and water damage to theft of materials and vandalism — construction sites face unique exposures. A builder’s risk policy is designed specifically to address these risks head-on.

  • Protect Your Budget & Timeline

    If a covered loss stops work, expenses can multiply quickly. A builder’s risk policy helps keep your project on track by covering additional costs or lost materials — because protecting your investment and timeline matters.

Add-Ons That Matter

Smart extras that enhance protection for construction projects in Georgia.

Theft & Vandalism Coverage

Extra protection for stolen or intentionally damaged materials.

Soft Costs

Covers the financial impact of project delays caused by a covered loss.

Temporary Structures

Protection for fencing, scaffolding, job-site trailers, and signage.

Equipment Breakdown

Covers mechanical or electrical failure on certain job-site equipment.

Our Approach to Builder’s Risk Insurance in Atlanta, GA 

  • Any Project Size, Any Scope

    Whether you’re building a single home, renovating a rental property, or managing multiple active construction sites, we can help structure coverage to match the needs of your project or portfolio.

  • Hard-to-Insure Projects

    Older homes, large-scale renovations, structural rebuilds, or properties with unique risks? We work with specialty markets familiar with construction exposures to keep your project protected.

  • Reliable Coverage, Affordable Rates

    We compare carriers known for strong builder’s risk programs — including those specializing in new construction and renovation policies — to help you get the right coverage at the right rate.

  • Guidance for New Builders & Property Owners

    If you're new to construction or managing your first renovation, we’ll walk you through everything you need: builder’s risk vs. property coverage, what materials are included, timelines, extensions, and what questions you didn’t even know to ask.

Frequently Asked Questions – Builder’s Risk Insurance in Atlanta, GA 

  • How long does a builder’s risk policy last?

    Policies typically run 3, 6, or 12 months depending on the project timeline — with extensions available if construction runs longer than expected.

  • Does builder’s risk cover theft or vandalism?

    Theft of materials is often covered, but vandalism or theft of high-value items may require a specific endorsement. We’ll help you add the right protections based on your project.

  • Do I need separate policies for different projects?

    It depends. Most projects require their own builder’s risk policy, but we’ll help determine the structure that makes the most sense for your timeline and budget.

  • Are contractors’ tools or equipment covered?

    No — builder’s risk covers the structure and materials, not hand tools or machinery. For that, an inland marine or equipment policy is recommended, and we can help with that too.

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Safeguard Your Investment

Your construction project is an investment — and it deserves construction-grade protection.