[onthebay]

Originally Posted by AC2717

Are they requiring you to maintain the insurance policy after it is done or only while it is being built? (this makes a huge difference). If just during building it would be very simple to get and possibly cheaper than $2,000 annually

Your home liability would cover any liability on property you own at the address listed on the policy, unless it is specifically excluded. Now you would have a very hard time naming the state and RR as additional insureds on a homeowners liability policy due to the circumstances at hand.

If you need to maintain the policy after it is built at a $1,000,000/$2,000,000 limits then there is no way to keep that personal except to possibly get a personal umbrella policy over your homeowners liability for $2,000,000. just because they would want that aggregate limit of $2,000,000

Again a couple of factors come into play here

PM me if you would like to discuss further
Thanks

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