Policy Options | HBA EZbuild

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Annual And Monthly Reporting Policies

This policy is ideal for builders with multiple starts per year and consistent activity. It simplifies the reporting process and allows for easy extensions if construction timelines shift.

Reporting Policies

A good fit for builders who need to report multiple starts in a given month. Average time for construction is between 8 to 12 months. Coverage on a new start is good for 12 months. At the end of the 12 month term, builders have the option to extend coverage in 3 or 12 month intervals. A start may be reported for up to 24 months. After that, it may be converted to an unsold dwelling policy if the home remains on the market.

Monthly Reporting Policy

Allows builders to report multiple starts in a given month with a construction timeline of 4 to 6 months. Each new start is initially covered for 5 months and may be extended month to month as needed. Ideal for spec builders, starter homes, and lower TIV values. Cost effective for builders whose time of construction is under 7 months.

Best For Policy

Builders with 1–49+ projects per year
Projects with similar scope and value
Builders wanting flexibility in reporting new projects
Straightforward process for extending coverage on active projects

Lower Upfront Cost. Smarter Final Premium

With EZBuild’s Easy Build Blanket Policy, your working deposit is based on projected construction time, providing a lower upfront cost.

At year end, the policy is audited and adjusted to match your actual construction timelines and any reported inventory.

Here’s How EZBuild Compares To A Traditional Blanket Policy:

Traditional Blanket Policy

EZBuild Smart Coverage

Annual Rate $0.160 per $100 of insured value

Annual Rate $0.160 per $100
(Pro Rated to $0.080 for 6 months)

Homes Built 20

Average Insured Value $250,000

Total Insured Value $5,000,000

Working Deposit ($5,000,000 ÷ 100) × $0.160 = $8,000

Working Deposi ($5,000,000 ÷ 100) × $0.080 = $4,000

Savings with EZBuild

50% lower working deposit for the same coverage period, with billing only on actual time under construction.

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