Your builders risk policy is a homeowner's policy minus personal property coverages that are generally 70 - 75% of the dwelling coverage. Your personal property won't be there and won't need as much coverage at this location. You should definately have a renters policy for your personal property at the unit you are renting and yes it will have some liability as well. You will want your own liability coverage in the event someone walks on your property and gets hurt or a child falls into a whole/basement/well etc. As materials are delivered they will be covered which is very important. Theives like to go ahead and help themselves to materials. Fire is also covered, I had a customer do what your doing and each time he got close to being done, the house burned down to the ground. Needless to say, he didn't build again but can't sell the property neither. There will be other coverage's but that will depend on which state your in and the policy coverage's issued there.

The reply from the insurance company will probably depend on the experience of the local agent. If they haven't seen it done they may think they can't write a policy. I may be simplifying things a little, but I don't know why you can't just get a normal insurance policy for a 2nd home. Is it not possible/legal to occupy the house, or are you just waiting? If its all right to occupy then its just your 2nd home, which is a very common situation. If you just brought a bed over there and stayed one night month you can call it your vacation home. Bruce

Why even consider the unique laws of New York or Massachusetts if you don't live there? Kind of silly in my book. And the paranoia of someone else "driving" your car is moot too since I don't know of a state where insurance isn't reciprocal. I'm insured on your car and you're insured on my car (with permission of course). So as long as you OK him coming and using your car, you're covered. Check with your agent of course for your local laws but that's probably the case. Having collision insurance is for one reason. If the benefit of paying the insurance offsets what you could get out of it if something happens. I think you should drop the collision altogether. I don't think $4k would break you to lose it if it's totaled out. You're better off putting that money toward higher liability, higher uninsured and underinsured coverage and maybe an umbrella so it benefits you. There's really no down side to suspending the coverage when you're gone. Why pay for it when there's no way you'll use it? You'll keep the comprehensive which is all you really need under those circumstances. Again, check with your agent but I don't know of a place this wouldn't apply. And you wouldn't need liability since you're not driving it. Even if your son DOES drive it while you're gone, it's usually covered by his insurance (again, check with your agents to be sure). As Elmer said there's benefits to running a vehicle but a few months sitting likely isn't going to be an issue with the caveat that I don't know how fragile or sensitive Jags are. I've had vehicles sit for a year or more without being started. The biggest issue is your upper level lubricant is usually gone so it'll take a few seconds to get the oil back up there, pressure to build in the engine and tranny, etc. If you're leaving it a long time you might want to prep it, but check with your mechanic. I'd bet they'll tell you 3 months is no big deal. Any time you use a charger you should be using it in a well-ventilated area as a charging battery does give off gasses. Nothing to be paranoid about but something about which you should be educated. Oh, and here, there's also a rental car coverage that has to be dropped if you drop collision. So there's an additional saving. If you have a good agent, and why do business with them if they're not, they should be able to explain this and help guide you on your decision. Couple months ago I had a sit down with my agent and we went over my coverage. Got back my fogey class discount, tweaked coverage and he encouraged me to consider dropping collision soon. I will on the next renewal since I already paid it when we met. Put on a $1 mil umbrella, upped the liability/un/under and a couple other tweaks and the net result was actually about break even or even less and when I drop collision/rental it'll be more savings. As a side note, I've always said there's 4 things you want the best you can get and in no particular order they're doctor, lawyer, mechanic and insurance agent. You'll benefit big time in the long run if you keep that in mind.

A lawyer and contractor will work better than a PA. See if your state has any consumer protection laws. In my state "unfair and deceptive business practices" can pay triple damages plus legal costs. A simple "demand letter" is sent outlining the loss and the insurance companies actions. Guaranteed you will be contacted by an attorney representing the insurance company and he'll be ready to deal if you have been treated unfairly.