Hi everyone...we are finally getting ready to start our build. The foundation was up last Fall & insulation & Bituthane was delivered today.

It's been a real eye opener during my course-of-construction insurance research. Since we aren't going through a bank it's much harder to find what we want.

It's boiled down to two options at this point:

Option A. With State Farm, full coverage, materials during transport, storage on property, and an earthquake rider. Caveat: Only insure for a year...iffy for renewal...they don't like long & drawn-out builds.

Option B. Zurich. No insurance during transport or storing on property & no insurance riders. We live in an earthquake zone so that feature is very desirable. (Old Valdez was destroyed in the '64 earthquake). BUT, they will renew if not completed within a year. We do have a locked 40-ft connex that we can store materials in. We live on the property so someone will be here 24/7 most of the time.

We're not sure if we'll be able to completely finish within a year. I'd hate to have that hanging over my head. But, I'd also hate to have a 9.2 magnum earthquake hanging, too!

Is it possible to insure with both companies? I couldn't find anything on the net.

Thanks for any help.