Helping Thousands Protect Their Dream Home from the Ground Up

Building your dream home comes with thousands of different decisions, from siding to hardware…don’t let insurance be another factor. The agents at Barbee Jackson Insurance have worked with thousands of homeowners and developers to protect their construction projects from the slab to the certificate of occupancy. 

We are here to help you get the right coverage at the best price by comparing multiple different insurance companies price to coverage option to get you the right insurance. Get started today by calling (850) 389-2001 or fill out the quote request form below to have an agent call you (Spanish speaking agents are available).

 Paul Herr ⭐⭐⭐⭐⭐”I needed Builders Risk insurance and Rose was able to provide me what I needed. Granted, I haven't file a claim or make any contact regards to using policy yet (and hope I'll never need it), but Rose was professional in the communication and was able to provide a product that met my need. She's responsive answered all my a questions.”

Program Highlights - Course of Construction Insurance

Builder Risk is a highly specialized insurance protection plan designed to meet the needs of new construction. Unlike homeowners insurance its coverages are designed to meet the unique risks that are not covered under a home insurance policy. All policies are designed to meet your individual needs:

☑️Structure - The main component of the policy is the total construction cost of the project. This would include the main structure and any out buildings. When calculating the total cost it is important to include soft costs and hard costs such as building permits.
☑️Soft Costs - these include such items as, collateral costs, legal fees, architect and engineering fees, loan fees and additional interest.
☑️ Theft of Building Materials - This is the most common claim due to the rising costs of materials. Many insurers will require Heating and Air conditioning units be installed day of delivery to avoid claims
☑️Deductibles - Like most insurance, Builders Risk comes with deductibles regarding different types of claims. The most common is fire with deductibles starting as low as $500 per occurrence
☑️Other Coverage Options - Windstorm, flood and earthquake. Our agents will evaluate the location of your project and work with you to determine which additional endorsements will help protect your new build.
☑️Fast Certificates of Insurance (COI) - Our staff issues all COI within 5 minutes of request during normal business hours. 

Who Needs Coverage

If you have a construction loan a lender will require a policy be in place prior to any draws. They will require at least a 12 month policy regardless of the duration of the build. Some General Contractors (GC) will provide a builders risk policy for you as part of the total cost of the project. 

We highly recommend that you avoid the GC being the purchaser and named insured. This is your loan and your home and as such, in case of a claim you want to be the one who the insurance company writes the check to , not your GC. 

If you don’t have a loan or a project that will take under 12 months we have policy terms starting at 3 months. Also some of our insurance companies will offer a refund in the event that the project is finished before the term is expired.

David Altimont ⭐⭐⭐⭐⭐”We bought a Builder's Risk Insurance policy for our new home under construction. Service and pricing were both "best in class." Rose Williams was very easy to work with - responsive, good explanations for my questions and quick to refund my unused premium when our home was finished early.”

We have dedicated agents standing by to answer all your questions and get you the right insurance at the best price. Go with the thousands that trust Barbee Jackson Insurance for their Builders Risk Insurance (850) 389-2001.

“Ciarra and Rose are amazing! They make the process of getting coverage for our multiple properties seamless and are always a pleasure to work with! I will continue to do business with Barbee Jackson Insurance in the future and will recommend them to anyone that is looking for insurance.” ⭐⭐⭐⭐⭐Veronica Matteson