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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.
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Boardwalk Insurance is a RIBO-registered commercial insurance broker in Ontario and a division of Oracle RMS. We compare quotes from 30+ Canadian carriers, including Intact, Aviva, Economical, and Northbridge, and serve businesses across Canada (except Quebec).
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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.
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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 (except the Province of Quebec)
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Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Vaughan businesses
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