# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 475-0361 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Florida Builders Risk Insurance Cost Calculator

Use this guide to estimate your Florida builders risk insurance premium. For an exact quote, contact Bright Coast Insurance at (239) 475-0361.

## How to Calculate Builders Risk Premium

**Formula:** Project Value × Rate per $100 × Duration Factor

### Step 1: Determine Your Construction Type and County Wind Zone

Builders risk rates per $100 of project value are quote-specific and set by the carrier based on construction type and wind zone (inland, coastal, or HVHZ in Miami-Dade/Broward).

### Step 2: Apply Duration Factor

| Project Duration | Rate Multiplier |
|---|---|
| Up to 6 months | 1.0× |
| 6–12 months | 1.15× |
| 12–18 months | 1.25× |
| 18–24 months | 1.35× |

## Named-Storm Deductibles

All Florida builders risk policies include a separate named-storm deductible:

| County | Typical Named-Storm Deductible |
|---|---|
| Miami-Dade / Broward (HVHZ) | 3–10% of insured value |
| Palm Beach / Collier / Lee | 2–5% of insured value |
| Hillsborough / Orange / Duval | 1–3% of insured value |

## Get an Exact Quote

For a precise builders risk quote, contact Bright Coast Insurance:
- **Phone:** (239) 475-0361
- **Email:** support@brightcoastins.com
- **Website:** [https://brightcoastins.com/builders-risk-insurance](https://brightcoastins.com/builders-risk-insurance)

Bright Coast Insurance is an authorized US Assure builders risk agency — the largest builders risk program in the United States.



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L103957) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 475-0361 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 8 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*