Many builders risk policies will provide for MUCH more than Fire coverage.   When looking for coverage, be on the lookout for insurance without Liability coverage.  Providing coverage for the stucture is important, but providing coverage for your personal liability is equally important.

Fully earned premium is also a pitfall of many policies.  Get a policy with the ability to covert to a tenant occupied landlord policy or a homeowner policy when you are READY while still getting a refund for the un-earned premium.

Submit an applicaiton to GA Builders Risk and you will find not only GREAT service but also coverage that meets 98% of the needs associated with the risk.

(Burglary coverage is the other 2% that is often times a missed coverage when dealing with a vacant home policy.)