Residential Course of Construction Insurance in Canada

Protection for Major Renovations, Additions, and New Home Builds 

Standard home insurance often stops protecting you during major renovations or new construction. Residential Course of Construction (COC) Insurance — also called residential builder’s risk — fills that gap, covering your home project from day one of construction until final inspection. 

Whether you’re adding a second story, building a laneway suite, or gutting a kitchen, this policy protects your structure, materials, and work-in-progress from risks like fire, theft, and severe weather.

Get Quoted. Get Certain.

What Is Residential Course of  Construction Insurance?

Residential COC Insurance is a specialized property policy designed for homes under construction or undergoing major renovation. It covers your materials, partially completed structures, and work in progress against common construction risks, including:

Fire & Smoke Damage
Protect against total or partial loss during the build

Theft of Materials

Coverage for stolen building supplies

Vandalism 

Repairs for damage caused by  malicious acts

Windstorm & Hail  

Protection from severe weather events

Lightning & Explosion
Safeguard against sudden catastrophic damage

Vehicle Impact

Coverage if a vehicle damages the site

Tip: Many lenders and municipalities require proof of COC coverage for projects valued at $50,000+ or that leave a property structurally exposed.

Who Needs COC Insurance?

COC coverage is essential for:

Homeowners

building a custom home

Property owners

doing large renovations or additions

Developers or flippers

building single-family units

Contractors

on client-owned residential projects without wrap-up coverage

Typical projects that require COC:

Home extensions or second-story additions

Full interior gut-and-rebuilds

Laneway homes and garden suites

Garage rebuilds and structural repairs

Without COC, a stolen shipment of lumber or fire damage to a partially built structure could be uninsured — leaving you to cover the costs.

What Does Residential COC Insurance Cover?

A typical policy includes:

Dwelling Under Construction 

Coverage for the home during the build

Building Materials & Fixtures
Protected on-site, off-site, or in transit

Soft Costs (optional)
Interest payments, legal fees, permits if delays occur

Debris Removal
Clean-up costs after a loss

Testing Coverage (optional)
For systems like HVAC during commissioning

Additional options may include:

Sewer backup coverage

Earthquake and flood protection (location-dependent)

Premises liability (if purchased separately)

Key Policy Details

Policy Limits
Up to $2 million for eligible residential projects

Terms
3, 6, 9, or 12 months, with extensions available

Minimum Premium
Starts at $500, depending on project value

Eligibility
Owner-built or contractor-managed projects welcome

Looking for contractor-focused coverage? See our Builder’s Renovation Insurance page.

Why Builders Across Canada Trust Ai Insurance Organization

Coverage Designed for Home Projects
Tailored for additions, renovations, and custom builds

Nationwide Availability
Serving residential clients across Canada

Fast Quotes & Expert Advice
Speak with specialists in residential construction risk

Flexible Terms
Suitable for everything from a kitchen remodel to a full rebuild

What Our
Customers Are Saying

Real reviews from real clients — across commercial lines, personal insurance, and surety bonding. Discover why business owners, families, and professionals across Canada trust Ai Insurance Organization to protect what matters most.

      
   Ai Insurance Organization Inc.
   124 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Jose Seron 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience. Doug and the team were very responsive and helped us resolve several items prior to obtaining our bonding. Quick turnaround and clear communication. Highly recommended. (Tenet Builders Ltd.)
  
 
      Posted on Google  
   
   Longhorn Maintenance 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service quick response and friendly staff.
  
 
      Posted on Google  
   
   Bill Geerts, Geerts Roofing Inc 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great people to deal with and their rates are better!
  
 
      Posted on Google  
   
   Ahmad Khan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Professional advice, excellent customer service and low premium
  
 
      Posted on Google  
   
   Karm K 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent Service and Quick Turnaround.
We’ve had a great experience working with AI INSURANCE ORGANIZATION for our construction insurance and bonding needs. Their team is responsive, professional and very knowledgeable about the construction industry. They make the process smooth and efficient — from start to finish, everything was handled clearly and on time. Highly recommend them to any contractor or builder looking for reliable and straightforward insurance and bonding services.
  
 
      Posted on Google  
   
   Leslie okrah 
 
 
 
 Trustindex verifies that the original source of the review is Google. quick & efficient. Glad to have them as part of our business insurances
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more