What Kind of Home Construction Insurance Do We Need?

Reader Contribution by Jennifer Kongs
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The Small Home, Big Decisions series follows Jennifer and her husband, Tyler, as they build a self-reliant homestead on a piece of country property in northeastern Kansas. The series will delve into questions that arise during their building process and the decisions they make along the way. The posts are a work in progress, written as their home-building adventure unfolds.

We believe in precaution. Similar to how the sandbags we placed in the drainage ditches that were dug alongside our driveway (see evidence above), preparing for and preventing damage is a part of our mindset as we construct our home. The sandbags (and soon-to-be planted wildflower and native grass seed!) will help prevent erosion of our precious soil and any sedimentation of the waterway to which rainfall flows from our property. Homeowners’ liability insurance will prevent any financial loss should building materials get stolen, someone get hurt while working on our property, or any property damage occur while our home is being built.

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