Most people are told they need Builder’s Risk while their new home is being built. That’s true for many carriers — but not all. In Florida, several carriers offer a special underwriting option called Dwelling‑Under‑Construction HO‑3 (DUC). This lets you insure your home with a full homeowners policy while it’s still being built, instead of waiting for the Certificate of Occupancy.
I write both Builder’s Risk and HO‑3 Dwelling‑Under‑Construction policies across Florida. If your lender prefers HO‑3, or your builder’s quote seems high, I can help you secure the correct policy and keep your closing on schedule.
You’ll receive a free, no‑obligation HO‑3 new construction quote from me right away.
To get started, just answer the questions below or call 352‑200‑2066. I look forward to helping you secure the right coverage and keeping your build and closing on track.
Your information is kept private and is only used to provide your Florida HO‑3 new construction quote.
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If you’re not sure which policy your lender requires, or you want to compare your builder’s quote, I make the process simple. I’ll help you choose the correct coverage and deliver your binder fast.
- Carrier supports Dwelling‑Under‑Construction HO‑3 (DUC)
- Home is a ground‑up new build — not a remodel
- Construction is progressing normally — no delays or stalled work
- Lender accepts HO‑3 instead of Builder’s Risk
- Insured name and mortgage clause match the loan
- Carrier does not offer DUC HO‑3
- Lot has not been cleared (old slab, framing exist)
- Builder requires Builder’s Risk for contract compliance
- Lender requires Builder’s Risk for underwriting
- Renovations of Existing Structures or not ground-up
1. Can I insure a home under construction with HO‑3?
Yes — if the carrier offers Dwelling‑Under‑Construction HO‑3.
2. Do lenders accept HO‑3 during construction?
Many do. I confirm lender requirements before binding.
3. Is HO‑3 cheaper than Builder’s Risk?
Often yes. HO‑3 usually has lower premiums.
4. Does HO‑3 cover theft of materials?
Yes, when written under the DUC option.
5. When does HO‑3 convert to a standard policy?
At Certificate of Occupancy.
6. What if my builder already gave me a quote?
You can shop it. I usually beat builder quotes.
7. Do I need inspections?
No inspections required for new construction.
8. What discounts apply?
Wind mitigation credits, new roof credits, and modern building code discounts.
9. Can I choose my deductible?
Yes — both standard and hurricane deductibles.
10. How fast can I get a binder?
Most binders are issued the same day.
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