no
No, just your stuff is covered
Typically, yes. But it depends on the individual policy.
Yes, it wasn't your fault.
Zurich insurance does not cover dogs unless you have a dog employed at your construction company. Zurich insurance specializes in commercial property and causality insurance.
A course of construction policy is insurance purchased by a builder to cover materials, fixtures, equipment, and the building itself. As the name implies, it is only good during the course of construction, or as long as the work is going on.
Renters insurance really does cover a lot. It covers natural accidents, burglary, theft, fire, vandalism, and smoke damage. It also will pay your rent for a few months if you get hurt in the apartment.
If you are having this construction done by a bonified contractor, then their insurance should cover any/all damages. If you, the homeowner, are doing the construction and someone gets hurt, your home hazard insurance policy should cover that. Your home policy most likely will not cover other damages.
"Home building insurance is insurance that covers the materials of a home while it is under construction. Generally it may cover
Liability insurance covers third party lawsuits resulting from a contractors operations. This includes parties injured by faulty construction and also property damage resulting from faulty construction. Liability insurance DOES NOT cover the contractors property that is "their work" which needs to be covered by builders risk insurance. Construction insurance policies are complex so make sure you work with a construction insurance broker to get quotes and understand what you are buying. Policies can be written to exclude types of work, certain projects, certain types of claims, and prior work performed.
Builders Risk Insurance is a commercial Lines Policy Form Obtained by Contractors and Home Builders to cover their Construction related Risks.
That would be covered under Your Builders General Liabiity Insurance Policy,
One type of insurance that surely cover all your properties within your home is property and casualty insurance. Just make sure that you have a complete inventory of all your items so you could use this in getting the insurance claim fron the insurance company.