But one thing I did want to mention is that we do have Terrorism coverage which would probably (although I haven't verified this) cover us on your dirty nuke bomb example. 

And what coverage is needed - just the building, any contents inside, an umbrella policy for liability protection, etc.?

I used Findtheseller.com for the first few.No complaints just yet, very comprehensive info on subject.

So for a 2007 paid for vehicle PLPD will run $120/mo you would pay about that price for full coverage outside the City however.

There are many companies that provided this coverage just do a search for builders risk policy.

I'm deciding on what coverage, if any, to get.

Hi William Nance ,I own a fee only financial advisory firm that does comprehensive financial planning, taxes, insurance and private equity real estate investing as well as hard money lending.

The insurance quotes I’m getting are saying that they won’t give flood coverage or water damage coverage without showing that we plan to replace the roof.

So if you have $1,000,000 in Liability on the underlying policy and the claim is settled at $1,500,000 the $500,000 would go to the umbrella for coverage if you had one. 

Remember it reducing some auto policies but my motorcycle coverage may have caused the premium to rise.