Policy Options | HBA EZbuild Builders Risk Insurance

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Annual And Monthly Reporting Policies

This policy is ideal for builders with multiple starts per year and consistent activity. It simplifies the reporting process and allows for easy extensions if construction timelines shift.

Reporting Policies

A good fit for builders who need to report multiple starts in a given month. Average time for construction is between 8 to 12 months. Coverage on a new start is good for 12 months. At the end of the 12 month term, builders have the option to extend coverage in 3 or 12 month intervals. A start may be reported for up to 24 months. After that, it may be converted to an unsold dwelling policy if the home remains on the market.

Monthly Reporting Policy

Allows builders to report multiple starts in a given month with a construction timeline of 4 to 6 months. Each new start is initially covered for 5 months and may be extended month to month as needed. Ideal for spec builders, starter homes, and lower TECV values. Cost effective for builders whose time of construction is under 7 months.

Best For Policy

Builders with 1–49+ projects per year
Projects with similar scope and value
Builders wanting flexibility in reporting new projects
Straightforward process for extending coverage on active projects

EZBuild Blanket Coverage Options

Blanket coverage automatically protects every eligible start with zero monthly reporting and one annual audit. Choose the option that fits how you build.

Traditional Blanket Policy

Built for Simplicity

Every eligible start is automatically covered. No monthly reporting. One annual audit.

HOW IT WORKS

Working Deposit

Existing Inventory(12 Month Exposure)

Future New Starts(12 Month Exposure)

Working Deposit

Annual Audit

Actual Inventory(12 Month Exposure)

Actual New Starts(12 Month Exposure)

Final Premium

Every new start is treated as a full 12 month exposure regardless of actual construction time.

Best For:

Builders who value simplicity
Builders who want predictable administration
Builders who never want to worry about reporting starts
Builders looking for straightforward blanket coverage

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Modified Blanket Policy

Built for Efficiency

Everything included in the Blanket Policy plus a more efficient structure that recognizes how you build.

Available to builders with at least $1,750,000 in annual total estimated construction values from new construction starts

HOW IT WORKS

Working Deposit

Inventory*(12 Month Exposure)

Future New Starts(Average Construction Cycle)

Working Deposit

Annual Audit

Inventory*

Actual New Starts(Actual Construction Time)

Final Premium

*Existing and actual inventory are subject to underwriting review and applicable underwriting guidelines.

Recognizes average construction cycle for new starts and allows new start exposure to be prorated (minimum 6 months estimated premium).

Best For:

Builders who qualify
Builders focused on cash flow efficiency
Builders seeking the simplicity of blanket coverage with a more efficient premium structure
Builders whose new starts are typically completed in less than 12 months

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Learn More About Blanket Coverage

Single Shot Policy

This policy provides coverage for a single, specific project, making it a great fit for custom home builders or those with infrequent builds. Coverage terms are available for 12, 18, or 24 months based on the project’s timeline and requirements.

Best For:

Builders taking on 1 to 4 projects annually
Custom homes or complex, high-value builds
Projects that require specialized lending or insurance terms

Which Policy is Right for You?

Choosing the right Builder’s Risk policy starts with understanding your specific project needs.
Consider the following questions:

How many construction projects do you typically start each year?
What is the average duration of your builds?
What is the typical cost per project?
Do you have model homes or completed inventory that need coverage?
Are your projects located in coastal or non-coastal areas?
What is the total estimated construction value (TECV) for your builds?

Since 2012, HBA EZBuild has been committed to one thing: protecting HBA Builders with builders risk insurance — property coverage designed specifically for your projects. Our program is fast, flexible, and built to meet real jobsite needs. Whether you’re quoting a new build, closing a loan, or adjusting coverage mid-project, our team moves quickly to keep your work on track. We know the industry inside and out, and we solve problems before they become delays. Backed by A-rated carriers like Axis Insurance, our program delivers strong, reliable protection. We built this for HBA Builders — because we believe you’re not just building homes, you’re shaping communities.

Partner with EZBuild and grow your builder business.
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