Why not occupied and renovation insurance?

[Kerry M.]

Hi - we're close to deadline on a renovation and the insurance is my concern. We have been doing large changes: the walls are still open until the new baths are plumbed. The electricity is being mostly redone and will be finished in about a week. A heating system is going in. While most will be done, what is essential for switching to occupied not vacant insurance? I need for my son to live here soon for the school year.

The original plan was to rent out portions of the house in the fall, but even if that is delayed (because of not being renter-ready and lead based paint certification not done yet,) I still need him to be here (with insurance on the house.)

What is the insurance company looking for? I think we want to transition from vacant/renovation insurance to occupied/no capital improvements/renovations still O.K. Are there any other hybrids of insurance coverage for this situation?

Thank you