Contractor default coverage A++ Reinsurance Warranty extension 3 yrs

Protect your renovation investment from contractor risks & material loss

Safeguard your home improvement project against contractor abandonment, material theft, and workmanship defects. Backed by Lloyd's, Swiss Re, and Berkshire Hathaway.

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15K+
Projects protected
98%
Claims paid
$0
Deductible options
renovation protection
Core protection

Everything you need for project peace of mind

Four layers of protection designed specifically for home renovations

Contractor default

Covers financial loss if contractor abandons project or goes bankrupt

up to $250K Learn more

Material damage

Theft, fire, vandalism of materials on-site or in transit

replacement cost Learn more

Warranty extension

Extend builder warranty up to 3 additional years

+3 years Learn more

Liability coverage

Injury to workers or third parties during construction

$1M coverage Learn more
Enhanced protection

Built-in coverage you won't find elsewhere

3-Year warranty extension included

Covers workmanship and materials after builder warranty expires

Hidden defect coverage

Structural issues discovered up to 24 months after completion

Re-work protection

Faulty workmanship repair costs up to $50,000

Material transit coverage

Protection while materials are in transit to your project site

enhanced coverage
Simple process

Get protected in three steps

Fast, digital, and hassle-free

01

Submit project details

Contractor info, budget, timeline, and scope of work. Takes 5 minutes.

02

Customize coverage

Add warranty extension, material theft, or liability based on your needs.

03

Protect instantly

Digital certificate issued immediately. Coverage starts right away.

Popular add-ons

Enhance your protection

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Jewelry & valuables

Scheduled coverage for watches, engagement rings, fine art – worldwide.

$12/mo
per $10k value

Home office

Business equipment, computers, cameras – replacement cost, no depreciation.

$8/mo
up to $15k

Ordinance or law

Coverage for code upgrades after a loss (foundation, electrical, etc.).

$15/mo
+25% dwelling

Water backup

Upgrade to $100k coverage for sewer and drain backup.

$6/mo
+$50k
Project estimator

How much coverage do you need?

Use our interactive calculator to get a personalized recommendation based on your project size, contractor type, and timeline.

  • 60-second estimate
  • Industry-standard pricing
  • No obligation
Open estimator →
Budget: $75k
Duration: 4 months
Coverage: $112k
Trusted by thousands

Real stories from protected projects

"Contractor abandoned our kitchen renovation halfway. EraQuotes covered the $45,000 loss and helped us find a new contractor to finish the work."

JW

Jennifer Walsh

Denver, CO · Kitchen remodel

"$30,000 worth of materials were stolen from my job site. The claim was approved in 3 days and materials replaced immediately. Saved my project timeline."

RC

Robert Chen

Seattle, WA · Addition build

"The 3-year warranty extension gave us peace of mind. When the bathroom tile started cracking after 2 years, they covered the full repair cost."

MS

Maria Santos

Miami, FL · Bathroom renovation

Common questions

Answers about improvement insurance

What does contractor default insurance cover?
Covers financial loss if contractor abandons project, goes bankrupt, fails to complete per contract, or doesn't pay subcontractors.
How long is the warranty extension?
We extend builder warranties up to 3 additional years on materials and workmanship. Optional 5-year extension available.
Are materials covered during transport?
Yes, material damage coverage includes theft or damage while in transit to the job site and during storage.

Ready to protect your project?

Get a personalized quote in under 5 minutes.

Request project quote

Receive personalized coverage estimate within 24 hours.