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When you have a house that is in the middle of construction in Little Falls, Minnesota, you still want to obtain a homeowner’s insurance policy that is appropriate for your house. Depending on your goals, the final product and the level of construction, the policies that may be available for your house can vary.
Basic Coverage
A homeowner’s policy is still appropriate when your house is in the middle of construction. Depending on the type of plan you bought, your insurer may put certain limitations on the coverage. For example, you may have coverage against fires and similar situations, but you may not have protection against theft until you have a door and can lock the space.
During construction, you may also want to insure your property against liability concerns because the risk of injuries is much higher than a home that is finished.
Additional Plans
Even though a homeowner’s plan may be appropriate, you may also want to consider additional protection against certain conditions and problems. Depending on the situation, the options that are available and the details about your insurance policy may vary.
Additional protection can take many different forms. During the process of construction, you may want to protect materials, equipment and the individuals who are working on your project rather than focusing on the value of the property based on market prices and the plans.
Protecting your home from damages and problems can start before the project is completed. Even if you are having the house built from the foundation to the roof, it is important to obtain an appropriate insurance policy. Contact Hanneken Insurance to talk to an independent agent for more information about your options.