Builder Insurance—Ever Wondered Who Covers the Mishaps?

That’s super helpful—especially the bit about walking the site with the builder. I hadn’t even thought about how “properly secured” could mean different things to different people. Like, is a padlock enough, or do they expect full fencing? And I totally agree with this:

sometimes “being difficult” is just being thorough, but there’s a line between protecting yourself and paying for coverage you might not need.

I’m still trying to figure out if my homeowner’s insurance will even touch anything during construction. Did you find they were willing to add a rider, or was it a hard no? The paperwork is a pain, but I’d rather deal with it now than get burned later.