Can I include coverage for flood or earthquake in my builder's risk policy?

Coverage for floods or earthquakes is usually excluded but can sometimes be added by endorsement or through separate policies.

Yes, coverage for flood or earthquake can often be added as endorsements to builder's risk insurance, depending on the insurer and location.

An earthquake damages a partially constructed building. The builder's risk policy does not cover the loss without a specific earthquake endorsement.

Choose a deductible that balances affordable premiums with manageable out-of-pocket costs for claims.