Farmer Brown Expands Access to Builders Risk, Home, and Auto Coverage

Contractor insurance provider offers faster quotes and competitive rates across the U.S.

Apr. 16, 2026 at 8:03am

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A photorealistic studio still-life photograph featuring a stack of construction blueprints, a hardhat, and a set of keys arranged on a clean, white background, symbolizing the intersection of construction and insurance.Farmer Brown's insurance solutions aim to provide contractors and property owners with the financial protection they need, from construction projects to completed homes.San Antonio Today

Farmer Brown, a U.S. insurance provider founded in 1996, has reported increased demand from contractors and property owners seeking clear information about Builders Risk Insurance cost and coverage during construction projects. The company offers a unified path from construction coverage to homeowners and auto insurance, providing affordable quotes and competitive rates for projects and finished properties across the United States.

Why it matters

Contractors often require Builders Risk policies before work begins, as lenders and project owners require proof of insurance. Farmer Brown's ability to provide a seamless transition from construction coverage to homeowners and auto insurance can help contractors and property owners save time and money by bundling policies.

The details

Builders Risk Insurance protects a project while a structure remains under construction, covering materials, equipment, and temporary structures. The cost of Builders Risk Insurance for new construction is around 30 cents per $100,000 in coverage, while rehab and renovation projects carry higher insurance price levels at around 65 cents per $100,000 in coverage. Once a project is completed, Builders Risk Insurance ends and Homeowners Insurance begins, covering the finished structure, personal belongings, liability exposure, and temporary housing costs if the home becomes uninhabitable.

  • Farmer Brown reported increased demand from contractors and property owners in April 2026.
  • The company has served contractors for 30 years and provides same-day coverage in all 50 states.

The players

Farmer Brown

A U.S. insurance provider founded in 1996, serving contractors, small businesses, and property owners. The company offers Builders Risk Insurance, general liability coverage, workers' compensation, homeowners insurance, and commercial auto insurance.

John Brown

The founder of Farmer Brown, who explained the differences in Builders Risk Insurance costs between new construction and rehab projects.

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What they’re saying

“New construction risk grows gradually while the structure rises. Rehab projects carry risk from the first day because a building already stands and remains exposed to loss.”

— John Brown, Founder of Farmer Brown

“Contractors finish the project, then homeowners need protection for the building they now live in. Many clients request affordable homeowners insurance quotes and auto insurance quotes at the same time because bundling policies often produces competitive rates and simpler administration.”

— John Brown, Founder of Farmer Brown

“Contractors need fast answers and affordable coverage. We have served contractors for 30 years, work with leading carriers across the country, and provide same-day coverage in all 50 states.”

— John Brown, Founder of Farmer Brown

What’s next

Farmer Brown plans to continue expanding its services and partnerships to provide even more comprehensive insurance solutions for contractors and property owners across the United States.

The takeaway

Farmer Brown's ability to offer a seamless transition from construction coverage to homeowners and auto insurance, along with its commitment to providing fast, affordable, and accessible insurance solutions, positions the company as a valuable partner for contractors and property owners navigating the complex insurance landscape.