There is a solid distinction between a home that is under construction and a home that is being renovated, and that is what determines whether coverage applies.
Come every spring, the questions are the same: Is a skunk a rodent or vermin and therefore excluded under a homeowner's policy? I've got the answer for you.
Questions about the cleanup of a dead body come up in many homeowners’ claims where an insured died alone or unexpectedly. Is it covered under an insurance policy?