NEW HOME CONSTRUCTION

Insurance for New Home Construction and Newly Built Homes

Building a new home is an exciting time—but it also comes with new responsibilities, including making sure your property is properly insured during every step of the process. At Clayton Hanley Insurance, we help homeowners in the St. Louis area understand what coverage they need while their home is being built and once they move in.

Whether you’re working with a builder or managing the process yourself, we can help you protect your investment and avoid costly surprises.

Insurance During Construction

If you’re building a home from the ground up, your insurance needs start before the house is finished. In most cases, you’ll need a policy called builder’s risk insurance. This type of policy helps protect the structure while it’s under construction, as well as any materials stored on site.

Builder’s risk insurance can cover damage from things like fire, weather, theft, or vandalism. If your contractor provides this coverage, we’ll review it with you to make sure everything is included. If not, we can help you get a policy in place so you’re not left uncovered while the house is going up.

Transitioning to a Homeowners Policy

Once construction is complete and the home is ready to live in, you’ll need to switch to a standard homeowners insurance policy. This covers the home itself, your belongings, and your liability—just like it would for any other house. But because it’s a new build, there are often some extras to consider.

For example, we’ll help you make sure any detached buildings (like garages or sheds), outdoor features, and custom finishes are properly listed in the policy. We’ll also look for discounts that may apply to newly built homes, such as newer roof, plumbing, or electrical systems.

We Make It Simple

At Clayton Hanley, we’ve worked with many families who are building a home in St. Louis, Oakville, Arnold, Imperial, and nearby areas. We know the questions to ask and what lenders and builders expect. Our team takes the time to walk you through each step, so you feel confident from start to finish.

We work with multiple insurance companies, so we can compare rates and find the right fit for your project and budget. Our small, friendly team is known for personal service and quick responses—and our many 5-star reviews speak for themselves.

Building a Home? Let’s Talk Insurance

If you're starting a new home build or getting ready to move into your newly finished house, let Clayton Hanley Insurance help. We’ll explain your options, make sure nothing gets missed, and help you protect your new home every step of the way.