A newly built home has new wiring, plumbing, roof, and HVAC — which carriers love, and which can translate into some of the best rates available. The catch is timing: coverage needs to be in force by closing, and a builder’s policy does not protect you. We line up a homeowners policy that starts exactly when you take ownership and captures every new-construction discount you qualify for.
Who this is for
Closing on a new build
Coverage bound and ready for your lender by the closing date.
Production & custom homes
Master-planned community builds and custom one-offs alike.
First-time buyers
We walk you through every coverage so nothing is a mystery.
What it covers
- Coverage effective at closing for your lender
- New-construction and new-home-buyer discounts
- Full replacement-cost dwelling coverage
- Builder warranty gap guidance
- Wind/hail deductible structured for your area
- Bundle with auto for additional savings
Why new homes often cost less to insure
A brand-new build is one of the lowest-risk homes an insurer can write. Everything is current — the roof, electrical, plumbing, and HVAC are all new, modern, and up to code — which means fewer fire, water, and weather claims. Many carriers reward that with new-construction and new-homebuyer discounts, and a new home frequently lands some of the best rates in the market.
We shop specifically for those credits so you capture every dollar of the discount your new home earns.
Timing your coverage to closing
Your lender requires a homeowners policy to be in force on the day you close — and the builder’s policy that protected the home during construction does not transfer to you. We line up your coverage to start exactly at closing and get proof of insurance into your lender’s hands ahead of time so nothing delays your loan.
Builder warranty vs. your insurance
It’s easy to assume your builder’s warranty has you covered — but the two protect different things. A warranty covers defects in workmanship and materials. Insurance covers sudden losses like fire, storms, theft, and liability. You need both, and we make sure there’s no gap between when the builder’s coverage ends and yours begins.