New Construction Has a Real Insurance Advantage. Most Builders Never Mention It.
We're not asking to sell you anything - we want to be the independent agency you refer buyers to, so closing never gets held up by an insurance quote that came in too late.
Referral Program
New construction genuinely costs less to insure
Homes built to current Florida Building Code - impact windows, hurricane straps, modern roof-to-wall connections - typically qualify for wind mitigation credits that meaningfully lower homeowners insurance premiums compared to older housing stock. Most buyers don't know this until they get a quote, if they ever ask at all.
That's a real advantage your sales team can mention before a buyer even brings up insurance - and it's exactly the kind of detail that lands better coming from a quote in hand than a general claim during the sales pitch.
From builder's risk to homeowners coverage
During Construction
The structure is covered under a builder's risk policy - fire, theft, wind, and vandalism protection while the home is being built and no one's living in it yet.
At Closing
Coverage needs to transition to a standard homeowners policy in the new buyer's name, timed to the certificate of occupancy and closing date - not figured out after the fact.
Keeping subcontractor compliance from becoming your liability
- A subcontractor's certificate of insurance expires mid-project without anyone catching it
- A sub's policy doesn't actually name your company as an additional insured, despite the paperwork saying it does
- Coverage limits on a sub's policy don't match what your contract actually requires
- Tracking valid COIs across multiple active job sites becomes a spreadsheet nobody has time to maintain
What you and your buyers actually get
Buyer Quotes Timed to Closing
We get your buyers real homeowners quotes timed to your CO and closing schedule, so insurance is never the reason a closing slips.
Builder's Risk to Homeowners Handoff
We help coordinate the transition from builder's risk to the buyer's own policy, so there's no gap and no scramble right before closing.
Subcontractor COI Support
We can help verify that subcontractor certificates actually meet your contract requirements, instead of taking the paperwork at face value.
A Direct Point of Contact
You and your buyers get a real agent who picks up the phone, not a call center - especially useful when a closing date is tight.
No Cost, No Obligation
Referring a buyer costs you nothing and doesn't add to what they pay for coverage. It's a value-add for your closings, not another vendor relationship.
Start the Conversation
Tell us about your communities and how you'd like to work together - we'll follow up within one business day.
Referral Partner FAQ
Does new construction actually cost less to insure?
Often, yes. Homes built to current Florida Building Code - impact windows, hurricane straps, modern roof-to-wall connections - typically qualify for wind mitigation credits that meaningfully lower premiums compared to older homes. It's a genuine selling point for your buyers that's worth mentioning before they even ask about insurance.
Can you coordinate the handoff from builder's risk to the buyer's homeowners policy?
Yes. We time the buyer's homeowners policy to your certificate of occupancy and closing date, so there's no gap between when builder's risk coverage ends and the new policy needs to be in place.
Can you help us track subcontractor certificates of insurance?
We can help verify that a subcontractor's certificate actually meets your contract's requirements - correct additional insured language, adequate limits, current expiration - rather than assuming the paperwork is accurate as submitted.
What if a closing gets delayed and a buyer needs extended coverage?
We can typically extend or adjust timing on a buyer's policy to match a shifted closing date, so a delay on the construction or lending side doesn't turn into an insurance problem too.
Does this cost our company anything?
No. There's no cost or obligation for you, and it doesn't add anything to what your buyers pay for coverage. We're compensated the way any independent agency is - through the carrier, not through you or your buyers.