Good call checking your homeowner's policy—I usually do the same. One thing though, ever run into issues where your builder pushes back if you try trimming down their bundled insurance? I've had some awkward conversations over that...
"ever run into issues where your builder pushes back if you try trimming down their bundled insurance?"
Yeah, I get why that might feel awkward, but honestly, builders aren't usually pushing back just to be difficult. From experience, bundled insurance often covers specific risks that homeowner policies might overlook—like site accidents or material theft. Have you checked if your homeowner's policy explicitly covers construction-related mishaps? Sometimes it's less about trimming costs and more about making sure you're fully protected...
Ran into this exact thing when we remodeled our kitchen. Thought we'd save a bit by trimming their insurance, but our homeowner's policy had some sneaky exclusions for active construction. Worth double-checking your fine print first... learned that one the hard way, unfortunately.
"Thought we'd save a bit by trimming their insurance, but our homeowner's policy had some sneaky exclusions for active construction."
Understandable concern, but from experience, relying solely on homeowner's coverage during renovations usually isn't enough. Builder-specific policies often cover broader scenarios like accidental damages or contractor negligence—worth considering despite the upfront cost.
Understandable concern, but from experience, relying solely on homeowner's coverage during renovations usually isn't enough.
Went down this road myself a few years back. Thought homeowner's would have me covered, but when a contractor accidentally flooded the basement (long story...), turns out those "sneaky exclusions" bit me hard. Builder-specific insurance saved the day—lesson learned the expensive way.
