The Blog

Insurance intelligence for homebuilders

Coverage and cost guides written for the way production builders actually operate — not a generic insurance blog.

A production homebuilder's site superintendent reviewing a subdivision phase plan and cost worksheet on a clipboard in front of multiple framed tract homes under construction

Flagship Guide

Tract Home & Production Homebuilder Insurance: The Complete 2026 Cost & Coverage Guide

What insurance does a production or tract homebuilder actually need in 2026, and what does it cost? This guide walks the full coverage stack — GL, builders risk, workers comp, bonds, and more — with real cost drivers instead of a one-size template.

July 30, 202615 min read

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A completed tract home with a sold sign and closing documents on the front steps, representing the handoff moment between builders risk and homeowners insurance

Builders Risk Insurance vs. Homeowners Insurance: What Actually Covers a Home Under Construction

Builders risk and homeowners insurance are often confused, but they cover completely different periods of a home's life. Here's who buys each one, and how production builders manage the handoff without a coverage gap.

July 26, 20268 min

A production homebuilder reviewing a US map with multiple subdivision jobsite markers, planning bonding and licensing requirements for expansion into new states

Surety Bonds for Homebuilders Expanding Into New States: A Multi-State Compliance Guide

License and permit bonds don't travel with you across state lines. Here's a practical checklist for production builders expanding into new markets, plus what actually drives bond cost and how underwriting works.

July 22, 20268 min

Subcontractors reviewing paperwork and contracts at a folding table on a large multi-lot production homebuilding jobsite

Subcontractor Default Insurance vs. Surety Bonds: Which Protects Production Builders Better?

SDI and surety bonds both protect a builder when a subcontractor defaults, but they work in almost opposite ways — and SDI isn't available to most homebuilders. Here's an honest comparison and a decision checklist by builder size.

July 19, 20267 min

A homebuilder reviewing insurance cost documents and a laptop at a folding table inside a jobsite trailer

How Much Does General Liability Insurance Cost for a Homebuilder in 2026?

General liability cost for a homebuilder depends on payroll, active lots, claims history, and state — not a flat rate card. Here's what actually drives the number, including why California runs meaningfully higher than the national average.

July 15, 20268 min

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