02-02-2008, 01:10 PM
I tried to get "course of construction" and similar insurance and contacted every possible company. I was told by each and every one that because we are owner-builders (we hire contractors under our permit and do some work ourselves) that they could not issue any insurance at all. All we really needed was liability. Unless we had a licensed contractor doing the whole project, we were told, we cannot get any insurance. I realize this was probably not your situation but thought I'd tell you my sad tale. So until our house is totally rehabbed and finaled (could be years) we can not get insurance protection for family and visitors who might get injured on the property.