Insurance being cancelled

[Jeff Cliff]

Hi,

I am

in the process of rehabbing and renovating my primary home, which I bought in all cash last year. Last month, I changed the insurance company.

Due to pandemic my plans of rehabbing are significantly delayed and it may take a little longer (possibly another six months to a year) to finish rehab work.

since the house is under construction, the insurance company is canceling my insurance policy, in this case I would like to know what are my options as far as home insurance policy is concerned?

Also, considering the house is currently paid in full do I really need to get homeowners insurance policy?

Thank you in advance for your response.