Renovation & Remodeling Insurance
Coverage for ongoing renovation and remodeling work on investment properties bridging gap between property and builders risk.
Key Benefits
Covers partial renovation and remodeling
Less expensive than full builders risk
Covers completed work awaiting inspection
Includes material and labor coverage
Available for short-term projects
Ideal For
Ongoing property improvements
Capital improvement projects
Partial renovations
Properties with regular updates
Coverage Highlights
- •Renovation in progress
- •Materials on site
- •Completed but not inspected work
- •Temporary structures and protection
- •Liability during renovation
Average Cost
$500-$1,500/project
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Property insurance covers renovation (it does not)
Builders risk only for new construction (covers major renovations too)
Landlord policy covers during renovation (need separate coverage)
Cost prohibitive for small projects (actually quite affordable)
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