Dedicated Insurance Advisors
Work directly with licensed Ohio insurance professionals who understand your industry and local market
Renovation Insurance
Builder's Risk vs Home Insurance Renovation Checker
Answer a few questions to see whether you typically need builder's risk or can rely on home insurance during renovations.
Our Network
Trusted Partners
Backed by Canada's leading insurance carriers
Quick Turnaround Quotes • Compare Top Carriers
Protect Your Renovation With the Right Insurance
Compare builder's risk and home insurance options from top Canadian carriers. Get a quote for your renovation project.
No Obligation
30+ Carriers
5/5 Rating
Fast Quotes
Get Answers
Frequently Asked Questions
Common questions about builder's risk, home insurance, and renovation coverage.
You typically need builder's risk when you are doing a major renovation, the home is vacant or under construction, or your home policy excludes or limits coverage during renovation. The checker helps you see which situation applies.
Builder's risk insurance usually covers the structure and materials on site during construction or renovation, including theft, fire, and weather, up to the project value. It does not replace home insurance for the rest of your property.
Many home policies limit or exclude coverage during major renovations, or when the dwelling is vacant. You must disclose renovation plans to your insurer; they may require builder's risk or an endorsement.
You need builder's risk from project start until the project is complete and often until the structure is re-occupied or handed over. Your broker can help you set the policy term to match your timeline.
As owner, you can still need builder's risk: either you buy it or the contractor does, and it should name you as appropriate. If the contractor has a policy, confirm it covers your interest and the full project value.
Get Builder's Risk or Home Insurance for Your Renovation
Talk to Boardwalk to confirm whether you need builder's risk or if your home policy is enough for your project. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Columbus businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
