Ideal Accounts and Appetite
This program is best suited for residential homebuilders with consistent operations, generally around 100 home starts annually. It fits accounts that prioritize risk management, safety practices, and compliance with building codes. Whether your client builds single-family homes, planned communities, or residential developments, this program offers the flexibility and depth of coverage needed to support their work.
You might have a client who is expanding into a new region or one who needs stronger protection for their subcontractors and job site exposures—this program is built to address those needs. It may not be the right fit for commercial builders or developers with irregular or minimal annual home starts.
Coverage Highlights and Advantages
The Homebuilders CoverageTM program provides comprehensive protection backed by an "A+" rated national carrier. Key features include quick quote turnaround, focused claims handling, and advanced loss control services—all of which help agents deliver value and reliability to their clients.
Lines of Coverage include:
- Builders Risk
- General Liability
- Property/Inland Marine
- Business Income
- Building Ordinance
- Crime
- Business Auto
- Excess Liability
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on account size, state, and specific coverages selected. NSM Insurance Group is focused on underwriting profitable, well-managed residential construction risks and aims to deliver competitive pricing with superior service. Quick quote turnaround allows you to respond to client needs efficiently.
Territories and Availability
This program is available on an admitted basis in most states, including but not limited to: CA, FL, TX, NY, PA, GA, IL, and WA. NSM Insurance Group offers this coverage in 50+ jurisdictions, including Washington, DC. Please check specific state availability as program terms may vary.
Why Work With NSM Insurance Group
As a leading Managing General Agency (MGA), NSM Insurance Group brings decades of program administration experience and a strong focus on niche markets. Their in-house underwriters, specialized claims handling, and commitment to fast, reliable service make them a strong partner for agents placing residential construction risks. With access to top-rated carriers and competitive program features, NSM helps you deliver smart solutions that meet your clients’ evolving needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential homebuilders with approximately 100 home starts per year. It suits builders focused on single-family homes and residential communities.
Is this program available nationwide?
The program is available in most states, including all major markets and Washington, DC. Availability may vary slightly by coverage line and jurisdiction.
What carriers support this program?
Coverage is underwritten through various carriers, including an "A+" rated national carrier, ensuring strong financial backing and reliability.
How quickly can I get a quote?
NSM Insurance Group offers quick quote turnaround to help you respond to client opportunities efficiently.
Are non-standard or commercial builders eligible?
This program is specifically designed for residential homebuilders. Commercial or non-standard construction operations may not be a fit.
Need help placing an account? Connect with a market specialist.