PLEASE NOTE: To protect your safety in response to the threat of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options. Learn more about Navigating COVID-19 here.
Burns & Hansen, P.A.
Call us today for a FREE initial discussion
A Full Service Twin Cities Law Firm
Navigating your legal issues can be
confusing and complicated.

Should I have insurance when my house is under construction?

A home is a major investment for most Minnesota families. For that reason, they carefully select insurance policies that protect not only the structures that they live in but also the possessions they keep inside of those houses. It seems, from this perspective, that home owners may only need an insurance policy for when the home is completed and they have moved into it. However, having a home insurance policy during the construction phase of a house building project can provide important financial protections for the future occupants of the structure.

For example, if during the building process a worker on a construction crew is injured, that individual may seek compensation from the home owner. If the home owner does not have insurance to protect the person from such liability, the homeowners may face a heavy financial obligation if a court adjudicates against the person in a personal injury-based lawsuit. The same can hold true if a non-worker is hurt on the property during the home construction process; home insurance can even protect home owners from claims made by trespassers on the property.

Additionally, home insurance can protect an under construction structure from catastrophic loss. Accidents at work sites can cause fires, floods and other disasters that can render structures uninhabitable or completely destroyed. If homeowners do not have insurance to protect themselves from such major losses they may not be able to rebuild the home or satisfy construction-related debts.

In sum, having a home insurance policy during the construction phase of a building project is generally a good idea. Different policies provide different forms of coverage and individuals who are looking for insurance should be careful to read their prospective policies carefully. However, anyone with more questions about home insurance and construction-based litigation may always contact real estate lawyers in their area to learn more about protecting themselves against accident and building-related claims.

No Comments

Leave a comment
Comment Information
  • Rated by Super Lawyers
  • TwinWest Chamber of Commerce
  • MSBA - Minnesota State Bar Association
  • BBB Accredited Business
  • Ramsey County
  • Hennepin County - Bar Association
  • ABA

How Can We Help You?

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Pay Your Bill Online: It’s easy and secure with LawPay
Pay My Bill