Homeowners policies and building a new home(Liability)

[rcenters]

There are two situations here and basically I am trying to confirm that there is or is not any coverage under Homeowners for liability arising from building your own home.

Situation one is when the homeowner acts as their own GC. I happen to be looking at Erie's homeowner form and I can't find any specific liability exclusion for this, except and unless it was defined as a business pursuit, which logically you would think that it is not since you aren't doing it for a profit.

Two, is when you've hired a GC to do the job for you.

Since I work in Commercial I of course recommend that people building a home obtain CGL coverage, and from a coverage standpoint that certainly works. The reason I'm asking though, is I've heard suggestions from clients that maybe this could be covered under personal policies and if I'm charging someone $500 or $1000 minimum premium for CGL that they think they can do under Homeowners for a lot less, they aren't too happy.

Any thoughts on this?

[jtownagent]

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