Personal & Commercial Property Protection

Builders Risk & Vacant Property Insurance

Protect a home, investment property, or commercial project while it is being built, renovated, or temporarily vacant.

Start a QuestionnaireExplore Coverage
One page, two coverage needs

Coverage for projects and properties in transition.

Builders Risk can apply to both personal and commercial lines. The correct policy depends on the ownership, intended occupancy, project scope, and who is responsible for the work.

Builders Risk

Designed for ground-up construction and renovation projects involving:

  • Homeowners building or substantially renovating a residence
  • Real-estate investors and property owners
  • General contractors and developers
  • Commercial buildings, tenant improvements, and mixed-use projects

Vacant Home

Designed for residential properties that are temporarily unoccupied because they are:

  • Listed for sale or awaiting occupancy
  • Estate, foreclosure, or relocation properties
  • Between tenants or undergoing light repairs
  • Seasonal homes that do not qualify for standard coverage
Important: Builders Risk typically protects property under construction, materials, and certain project costs. Vacant-property coverage addresses the different risks created by an unoccupied building. General liability, flood, wind, equipment breakdown, and contractor liability may require separate coverage or endorsements.
Choose your application

Tell us what you need to insure.

Select the questionnaire that matches the property’s current condition. Choose a guided online form or download a fillable PDF to complete at your own pace.

Guided online form

Builders Risk Questionnaire

For new construction, major renovations, additions, commercial projects, and residential projects under construction.

Start Builders Risk Form
Guided online form

Vacant Home Questionnaire

For homes that are vacant, unoccupied, listed for sale, between tenants, awaiting occupancy, or undergoing light repairs.

Start Vacant Home Form
Fillable PDF

Vacant Home PDF Questionnaire

Prefer to work offline? Complete the MAD-branded vacant home questionnaire and email it to our team when finished.

Open Vacant Home PDF
Fillable PDF

Builders Risk PDF Application

Prefer to work offline? Download the Builders Risk application, complete it, and return it to the MAD Insurance team.

Open Builders Risk PDF

Submitting a questionnaire does not bind coverage. A licensed MAD Insurance agent must review the project, confirm eligibility, and provide written confirmation of coverage.

Open Builders Risk Guided Form
Open Vacant Home Guided Form

A simpler way to start your quote.

Provide the project or property details once, attach what you already have, and our team will review the appropriate personal or commercial market.

Step 1

Choose the right form

Select Builders Risk for construction or major renovation, or Vacant Home for an unoccupied residence.

Step 2

Share the details

Complete the guided questions and upload photos, contracts, budgets, inspections, or current policy documents.

Step 3

We review the market

A MAD Insurance agent reviews eligibility, identifies missing information, and follows up with the next steps.

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