Insurance during build?

[Justinmk4]

Any suggestions on insurance while my mk4 is under construction? After construction options too?

[6t8dart]

Try Haggerty or Grundy, they both have build insurance I believe. My 68 Dart had insurance on it before I ever drove it through Haggerty.

[ram_g]

Call Robbin at Midwest Insurance. They're a forum sponsor and a long standing supporter of the FFR community. See the Vendor list for details.

[rmiller64]

Robbin at Midwest insured mine through the build process. I'll be contacting him next week to up the agreed value now that it's completed. Great guy to work with, very responsive to e-mail

[Blue MK3]

Does your homeowners insurance not cover it since it's not yet a "car?" That is, not yet registered. Seems like it would be covered as a personal possession, like everything else in the house. As to after it's on the road, I recommend Infinity Insurance. Cheap rates here in NC; yours may be different depending what state you live in.

[walt mckenna]

My home owners covered mine during the build. Might be worth a call to your agent.

[Colonist]

Does your homeowners insurance not cover it since it's not yet a "car?" That is, not yet registered. Seems like it would be covered as a personal possession, like everything else in the house. As to after it's on the road, I recommend Infinity Insurance. Cheap rates here in NC; yours may be different depending what state you live in.

My regular insurance folks had the following to say: 1) As long as the parts are just sitting around the garage, they are covered by the homeowners' insurance; 2) Once the parts are attached to the chassis, they were part of a car and so not covered by the homeowners' insurance; 3) They would not insure the car until titled because they didn't consider it a car before then. Consistency is apparently not their strong suit.

Your own agent is the only person who can tell you what is covered or not covered under your existing insurance.

[Jacob McCrea]

Your own agent is the only person who can tell you what is covered or not covered under your existing insurance.

This is good advice; better to look into the matter and be sure of the parts' insurance status until the car is insured under an auto policy. I need to revisit this myself.

[Duke]

As log as it doesn't legally have an automobile VIN number that has been in the system it's technically covered under the home owners ins.

[ram_g]

As log as it doesn't legally have an automobile VIN number that has been in the system it's technically covered under the home owners ins.

Not what my State Farm agent said, which was essentially identical to Colonist's post #7.

[Blue MK3]

OK, let's discuss this scenario while everyone pulls out and reads their HO policy. Say my attached garage catches fire with the incomplete, untitled car kit in it. Both the structure and its contents are a total loss. Does my HO insurance pay for replacing the structure but not it's contents? What about my tools, my yard equipment, my beer making equipment? When is a car a car and when is it not?

[Jacob McCrea]

Not every insurance policy is written the same; not every situation is the same. For example, my shop (where my coupe is being built) is a commercial building, but for various reasons the insurance is neither a commercial/business liability policy nor a homeowner's policy; it is something of an oddball policy as I understand the situation. It provides different coverage than what one might expect from a homeowner's or commercial liability policy, and quite frankly the coupe parts may fall into a gap in coverage. I had a similar issue with my wife's engagement ring, and had to correct a gap in coverage (under our homeowner's policy) for that item. Thus, the need to revisit that issue of parts coverage with my insurer.