Insurance is a good thing when remodeling or building.
At New Avenue we require that you have homeowners insurance for your current improvements on your property. Improvements are basically your home and anything else built on your property. A typical homeowners policy covers these buildings. Our lawyers tell us of scenarios where something bad happens when a consultant, architect or contractor is on site. For example, a dog knocks over your grill and burns your garage down. This happens while the surveyor is also there so you blame him or her. Your insurance covers this and protects the surveyor.
There’s no need to fear this though. Check your current homeowners insurance and you should be covered so you don’t have to buy anything new:)