diff --git a/openhands-sdk/openhands/sdk/agent/base.py b/openhands-sdk/openhands/sdk/agent/base.py
index a364dbadea..9e3a818ef8 100644
--- a/openhands-sdk/openhands/sdk/agent/base.py
+++ b/openhands-sdk/openhands/sdk/agent/base.py
@@ -384,6 +384,13 @@ def verify(
                 if isinstance(event, ActionEvent) and event.tool_name
             }
 
+            # Add builtin tool names from include_default_tools
+            # These are runtime names like 'finish', 'think'
+            for tool_class_name in self.include_default_tools:
+                tool_class = BUILT_IN_TOOL_CLASSES.get(tool_class_name)
+                if tool_class is not None:
+                    runtime_names.add(tool_class.name)
+
             # Only require tools that were actually used in history.
             missing_used_tools = used_tools - runtime_names
             if missing_used_tools:
diff --git a/tests/sdk/conversation/local/test_state_serialization.py b/tests/sdk/conversation/local/test_state_serialization.py
index ea92ee23b4..23e6b49922 100644
--- a/tests/sdk/conversation/local/test_state_serialization.py
+++ b/tests/sdk/conversation/local/test_state_serialization.py
@@ -1165,3 +1165,150 @@ def test_conversation_state_cipher_mismatch():
             "API_KEY"
         ].get_value()
         assert api_key_value is None
+
+
+def test_agent_verify_builtin_tools_included_in_check():
+    """Test that verify() correctly includes builtin tools in its check.
+
+    Builtin tools configured via include_default_tools are now correctly
+    recognized by their runtime names (e.g., 'finish', 'think') when
+    checking against event history.
+    """
+    from openhands.sdk.agent import AgentBase
+    from openhands.sdk.event import ActionEvent
+    from openhands.sdk.llm import MessageToolCall
+    from openhands.sdk.tool import Tool
+
+    llm = LLM(model="gpt-4o-mini", api_key=SecretStr("test-key"), usage_id="test-llm")
+
+    # Create persisted agent with TerminalTool
+    persisted_agent_obj = Agent(
+        llm=llm,
+        tools=[Tool(name="TerminalTool")],
+        include_default_tools=["FinishTool"],
+    )
+
+    # Events from the session - only 'finish' was used (a builtin tool)
+    events_with_finish = [
+        ActionEvent(
+            source="agent",
+            thought=[],
+            tool_name="finish",  # Runtime name, NOT 'FinishTool'
+            tool_call_id="call_123",
+            tool_call=MessageToolCall(
+                id="call_123",
+                name="finish",
+                arguments='{"message": "Done!"}',
+                origin="completion",
+            ),
+            llm_response_id="resp_123",
+        ),
+    ]
+
+    # Serialize and deserialize to simulate loading from persistence
+    serialized = persisted_agent_obj.model_dump_json()
+    persisted_agent = AgentBase.model_validate_json(serialized)
+
+    # Create a runtime agent with DIFFERENT tools (FileEditorTool instead of
+    # TerminalTool) but still including FinishTool builtin
+    runtime_agent = Agent(
+        llm=llm,
+        tools=[Tool(name="FileEditorTool")],  # Different from persisted!
+        include_default_tools=["FinishTool"],
+    )
+
+    # This should PASS since 'finish' is a builtin tool available via
+    # include_default_tools. The verify method adds builtin tool runtime names
+    # to the check.
+    result = runtime_agent.verify(persisted_agent, events=events_with_finish)
+    assert result is runtime_agent
+
+
+def test_agent_verify_think_builtin_tool_included():
+    """Test that 'think' builtin tool is correctly included in event check."""
+    from openhands.sdk.agent import AgentBase
+    from openhands.sdk.event import ActionEvent
+    from openhands.sdk.llm import MessageToolCall
+    from openhands.sdk.tool import Tool
+
+    llm = LLM(model="gpt-4o-mini", api_key=SecretStr("test-key"), usage_id="test-llm")
+
+    persisted_agent_obj = Agent(
+        llm=llm,
+        tools=[Tool(name="TerminalTool")],
+        include_default_tools=["ThinkTool"],
+    )
+
+    events_with_think = [
+        ActionEvent(
+            source="agent",
+            thought=[],
+            tool_name="think",
+            tool_call_id="call_123",
+            tool_call=MessageToolCall(
+                id="call_123",
+                name="think",
+                arguments='{"thought": "Let me think..."}',
+                origin="completion",
+            ),
+            llm_response_id="resp_123",
+        ),
+    ]
+
+    serialized = persisted_agent_obj.model_dump_json()
+    persisted_agent = AgentBase.model_validate_json(serialized)
+
+    runtime_agent = Agent(
+        llm=llm,
+        tools=[Tool(name="FileEditorTool")],
+        include_default_tools=["ThinkTool"],
+    )
+
+    result = runtime_agent.verify(persisted_agent, events=events_with_think)
+    assert result is runtime_agent
+
+
+def test_agent_verify_missing_builtin_tool_fails():
+    """Test that verify fails when a used builtin tool is not configured."""
+    from openhands.sdk.agent import AgentBase
+    from openhands.sdk.event import ActionEvent
+    from openhands.sdk.llm import MessageToolCall
+    from openhands.sdk.tool import Tool
+
+    llm = LLM(model="gpt-4o-mini", api_key=SecretStr("test-key"), usage_id="test-llm")
+
+    persisted_agent_obj = Agent(
+        llm=llm,
+        tools=[Tool(name="TerminalTool")],
+        include_default_tools=["FinishTool"],  # Has FinishTool
+    )
+
+    events_with_finish = [
+        ActionEvent(
+            source="agent",
+            thought=[],
+            tool_name="finish",
+            tool_call_id="call_123",
+            tool_call=MessageToolCall(
+                id="call_123",
+                name="finish",
+                arguments='{"message": "Done!"}',
+                origin="completion",
+            ),
+            llm_response_id="resp_123",
+        ),
+    ]
+
+    serialized = persisted_agent_obj.model_dump_json()
+    persisted_agent = AgentBase.model_validate_json(serialized)
+
+    # Runtime agent does NOT have FinishTool in include_default_tools
+    runtime_agent = Agent(
+        llm=llm,
+        tools=[Tool(name="FileEditorTool")],
+        include_default_tools=[],  # No FinishTool!
+    )
+
+    # Should fail because 'finish' was used but FinishTool is not configured
+    with pytest.raises(ValueError, match="missing from runtime.*finish"):
+        runtime_agent.verify(persisted_agent, events=events_with_finish)