Are you offering the liability at the same time? This is an obvious hint to the client that it is not included, that there is an additional cost for it. If they decline definitely make it clear that liability will not be provided. A disclaimer or a checklist is an excellent idea though. Although Zur...

Fireman's Fund offers an excellent Course of Construction policy. It is bascially an HO3 with an endorsement for Course of Construction. They are really great about it. They periodic inspections to make sure the home is to value and there is no risk of claim will it is under construction. I would al...