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Proud Member Of National Association Of Home Builders
Homebuilding looks different from one market to the next. Start your insurance review with your role, each project’s location, and the responsibilities you keep after completion.
A national view of the housing business
The National Association of Home Builders brings a national perspective to the housing industry through advocacy, education, and housing information. Its community includes builders and businesses that support residential construction.
The Southern Agency retains NAHB in its membership directory. For a business working in one state or several, insurance questions still need to be tied to its actual projects, contracts, and employees.
Insurance considerations
Work in more than one state
Tell your agent where your employees and subcontractors work. Review the applicable requirements and policy territory before taking a project in a new state.
Several stages at once
Land preparation, active construction, a model home, and a completed unsold home may need different treatment. Identify occupancy and changes in value across the project schedule.
Responsibility after the sale
A claim about completed work can arrive after handover. Review completed operations and subcontractor agreements; repairing faulty work itself should not be assumed covered.
Industries
NAHB represents varied work across the housing industry. These guides focus on common residential building roles; choose the one that matches your operations.
- Single-Family Home BuilderFor new-home builders reviewing multiple project stages, completed values and the transition to a sold or occupied home in each market.
- General ContractorFor businesses coordinating trades across projects, with attention to subcontractor agreements and insurance obligations that vary by contract.
- Residential RemodelerFor remodelers changing existing homes, where the owner’s property and continued occupancy affect the project conversation.
Policy types
National membership does not establish a nationwide policy or uniform requirements. Review these subjects for the states and project locations where your business works.
- Builders Risk InsuranceIdentify project locations, values, schedules, and occupancy, and ask how each stage is treated when a home is completed but not yet sold.
- General Liability InsuranceDiscuss the residential work you perform and subcontract, including completed operations and contractual additional insured requirements.
- Workers Compensation InsuranceList employee duties and every state where crews work; ask what needs to change before the business starts work in another jurisdiction.
- Inland Marine InsuranceAccount for mobile tools and materials moving between markets, temporary storage, and equipment that is not part of a building policy.
Questions members ask
Does national membership mean the same coverage works everywhere?
No. Locations, state requirements, insurer terms, and the work performed need review. Tell your agent before taking on work in a new state or changing the kind of projects you build.
What changes when a home becomes occupied?
Occupancy, completion, or sale can affect when a builders risk policy ends or what it permits. Discuss the planned dates, any model-home use and the next coverage arrangement before that transition.
Are these NAHB insurance benefits?
No. These are general educational resources from The Southern Agency. Visit NAHB’s official website for association services and ask separately about insurance appropriate to your business.
