Course of Construction insurance in zone 2

[robguz]

I am getting liability and course of construction insurance to protect myself during the building process and to protect materials from fire. The policy does not cover theft of materials and apparently this isn't available. The problem is the quote I got is for $2500 for a year and they don't even do shorter policies, so if I finish in 6 months and get a homeowners policy, I don't get a refund.

Anyone have any better luck with this than I have? The company it is through is Triad insurance agency.