--- title: "Does Builders Risk Cover Theft?" description: "Often, but only for covered project property and subject to theft conditions, limits, and security requirements." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-theft" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-theft" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-theft) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Theft?" within the Builders Risk FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Builders Risk Cover Theft? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Builders Risk FAQ](https://thegeneralaverage.com/insurance-faq/builders-risk) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Builders Risk Cover Vandalism?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-vandalism) — related question - [Does Builders Risk Cover Fire?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-fire) — related question - [Does Builders Risk Cover Water Damage?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-water-damage) — related question - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) — related question - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # Does Builders Risk Cover Theft? Often, but only for covered project property and subject to theft conditions, limits, and security requirements. An illustrative ISO builders risk form addresses theft, but excludes some situations such as theft from an unlocked unattended vehicle and unexplained disappearance. Oregon’s public clause guidance also discusses theft coverage for installed materials, while distinguishing tools and other property. Coverage can depend on who owns the materials, where they are located, whether the site is secured, and whether the policy names the party suffering the loss. Check theft wording, any vacancy or enclosure condition, offsite and transit limits, deductible, and exclusions for employee or subcontractor dishonesty. Where tools or equipment are stolen, the contractor’s inland marine or tools floater may be the more relevant policy; it will not necessarily insure the owner’s building materials. Compare which party owns each item with the named insured and loss-payee wording, and ask about security warranties, theft sublimits, deductibles, and any materials not yet delivered to the site. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Vandalism?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-vandalism) - [Does Builders Risk Cover Fire?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-fire) - [Does Builders Risk Cover Water Damage?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-water-damage) - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) ## Coverage Guides Related to Builders Risk Insurance - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 1. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25. 2. [Insurance Clauses – Builders Risk](https://www.oregon.gov/das/risk/pages/insclausesbldrsrisk.aspx). Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25. 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