Call Us 888-563-8761 ☰ ˟
Logo
Call Us: 888-563-8761
  • Home
  • Get A Quote
    • Automobile
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Homeowners
    • Motorcycle
    • Other
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Commercial

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > Home Insurance Needs When Building Your Own Home
THURSDAY, JUNE 22, 2023

Home Insurance Needs When Building Your Own Home

Building your own house can be one of the greatest things you ever achieve. Knowing that every board, every wall and every support beam was put in place by you and your team creates a sense of pride that few things in this life offer. 
Homeowners Insurance
Yet, new home construction can also be confusing when it comes to home insurance. Here's what you need to know: 
  • Get your home insured while it's still under construction. You only need the basics for now: dwelling and fire insurance, and liability if anyone's going to be visiting. A lot can go wrong before the home is completed, so you want to be covered.
  • If you're hiring contractors, make sure they're carrying their own insurance. Just about any professional contractor worth dealing with will carry their own insurance for themselves and all their team members. Beyond the practical need for insurance, a contractor without their own insurance is a red flag.
  • Check on coverage for all employees. If you plan on hiring friends and family to help you out on the two-man jobs, chances are your general liability protection will cover them. But you will want to talk to your insurer before hiring anyone so that you can make sure you buy adequate coverage.
  • Update your insurance policy as you go. As each room is completed and fixtures are added, your unfinished home will increase dramatically in value on an almost-daily basis. Your home insurance provider cannot give you adequate protection if they don't know what they're protecting.
  • Keep security in mind. Safety comes first on any job site, but security is a close second. If someone steals from your job site because you left an expensive set of power tools lying around after-hours, there's a good chance that your insurer will chalk that up to negligence on your part.
  • Consider additional coverage options. Since you are both the homeowner and the builder, you will probably want to look into builder's insurance to make sure that you are covered on both fronts. 

One final note: Building a home is a big deal. It’s not a project that you should try to tackle on your own if you do not already have considerable construction experience. If building your own home is important to you, join a crew as a gofer, take some courses, learn the ropes and get certified. Then, go ahead and build your dream home. 
Posted 5:38 PM

Tags: homeowners insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022

  • business insurance(3)
  • renters insurance(2)
  • homeowners insurance(2)
  • auto insurance(2)
  • life(1)
  • whole(1)
  • motorcycle insurance(1)
  • life insurance(1)
  • home insurance(1)
  • boat insurance(1)
  • policy(1)
  • retirement(1)
  • premiums(1)
  • commercial auto insurance(1)
  • insurance(1)
  • terms(1)

View Mobile Version

Contact Us Today!
888-563-8761

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Contact Us

Contact Us

12223 N Pennsylvania Ave Oklahoma City, OK 73120
P: 405-607-7001 | F: 405-283-1000 | E: info@metro-insurance.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder