If you are going to buy a side by side one, you may need a water line for water supply to it. If you ask your builder to leave the connection for you, it may cost you more than $200. You may make the connection later on when you need it by yourself or hire someone to install it for a much less cost.
if you decide to purchase a fridge without icemaker and water dispenser, you would not need to build the water line. FYI, most of the fridges now on the market are having these features.