Yes — most builders risk policies cover theft of building materials on-site and in transit, typically up to a sublimit of 25% of the policy limit. This includes copper wire, HVAC equipment, lumber, and appliances staged for installation.
Importantly, theft is a major exposure on urban job sites in metro Atlanta, Nashville, Memphis, Charlotte, and the Florida coast — security measures like perimeter fencing, lighting, and after-hours monitoring can reduce premiums by 10% to 20%.
