Online Community of Zenith Builders and Flyers
I got a builder's policy from Falcon Ins. while building mine. I recall it being around $400/yr. Your HO probably excludes it, mine did.
I guess there is no way of getting around it, I'll have to contact my homeowners insurance company and see what they say. I'm already forced into having way more contents insurance than I need. I'm kind of afraid to talk to them as they might assume I have some sort of industrial or hazardous operation going on and hike my policy way up. On another note, I do have a special 'rider' on my Kubota tractor (worth about $25k) that cost about $25/month to cover. $25K coverage would be about what I would need until I get to the stage of engine and avionics.