[retiredguy123]

Here are some things to consider if you are planning an addition to your house. I wouldn't trust a contractor to provide insurance coverage.

"Standard homeowners insurance policies don’t cover homes that are under construction.

If you’re planning short-term home renovations, you can add home under construction insurance (also called a dwelling under construction endorsement) to your policy for additional protection.

For more extensive construction projects or new home builds, you’ll need builders risk insurance.

Builders risk insurance and home under construction coverage protects your home during construction and building materials from theft, fire, vandalism, and storm damage."