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We’re about to start a near gut renovation on two floors. I called my insurer (Brownstone) and they said that I’d need to get a Builder’s Risk policy for the duration of the construction, and gave me a referral to another agent and a lengthy application. I suppose this is all very necessary, and will add costs, but is there any other way? I guess I’d like an affirmation from a few of those who’ve gone through the process. I will speak to our contractor about the insurance they carry as well.