Insurance built for tract-home and production homebuilders.
Production building isn't one project — it's dozens of homes at different stages, a rotating subcontractor roster, and construction-defect exposure that follows a subdivision for years after closing. We build coverage around how a production builder actually operates, not a generic single-project template.
Why one floor plan repeated a hundred times changes the insurance math.
A custom builder's worst case is usually bounded by one house. A production builder's isn't — the same structural system, roofing detail, or plumbing manifold installed across a whole phase means a single systemic issue can touch many homes and many homeowners at once. Standard small-business policies rarely account for that batch exposure.
- Concurrent phases running at once inside one subdivision boundary
- A rotating subcontractor roster shared across dozens of homes
- Completed-operations exposure that follows a phase for years after closing
- Reporting-form builder's risk sized for rolling, staggered starts
Ten coverages, built around how a production builder actually runs
Six core coverages every production builder needs, plus four specialty coverages built specifically for tract-home and production building — not generic single-project construction insurance.
Built for production builders, not adapted from a custom-home template.
Contractors Choice Agency puts together tract-home and production builder insurance programs nationwide — sized for concurrent phases, a rotating subcontractor roster, and the long-tail completed-operations exposure that comes with building the same homes, systems, and specifications across an entire subdivision.
We start with the six core coverages every production builder needs, then layer on subcontractor default insurance, completed operations protection, phased-development builder's risk structuring, and contractors pollution liability where your operation calls for it — not as generic add-ons, but as coverages built around this specific niche.
More about our approachCoverage custom home builders rarely need — and production builders often do
Four coverages built specifically for the scale and structure of tract-home and production building.
Production builder insurance basics
A few of the questions we hear most from tract-home and production builders — see the full FAQ for cost, subcontractor risk-transfer, and claims details.
The coverage types often overlap, but production builders carry a fundamentally different exposure shape: multiple concurrent phases running at once inside one development, a rotating subcontractor roster shared across many homes, and repeated floor plans and specifications that mean a single systemic issue can affect several homes instead of one. We size every coverage — limits, builder's risk structure, completed-operations protection — around that reality, not a single-project template.
Not typically — most production builders insure construction-in-progress under a reporting-form or master builder's risk policy that automatically extends to new homes as each one starts, with values reported to the carrier periodically. This avoids the administrative burden and coverage-gap risk of buying and canceling a discrete policy per address.
Subcontractor default insurance (SDI) is a first-party policy that reimburses the builder for the cost of completing a subcontractor's work if that sub defaults, giving the builder more direct control than a traditional bond claims process. Many production builders use SDI for their core, recurring subcontractor roster and reserve individual performance bonds for specific high-value or higher-risk packages — the two tools aren't mutually exclusive.
It depends on your state's construction-defect statute of repose, which varies significantly and can extend liability exposure years past a phase's closing date. Because production builders repeat specifications across many homes, a single systemic issue can surface as related claims from different homeowners over time — which is why continuous, adequately-sized completed operations coverage matters well past the last closing in a phase.
Guides for tract-home and production builders
Practical coverage breakdowns, cost guides, and risk-management notes written specifically for production and subdivision homebuilders.
Get your free production builder insurance quote
Tell us about your developments and we'll put together a clear, no-obligation quote — coverage built around how a tract-home or production builder actually operates.