Don't know how this would work for you, but here's what I do.

One of the things I found out several years ago was that my homeowners insurance would not cover a car that was sitting in the garage in the event of fire, wind damage, vandalism, theft etc. As you all know when your building a car you can have a HUGE investment sitting in a not currently running car.

My insurance company allows me to carry comprehensive only on the car while it's being built (they have to at a minimum put liability on it for one day, then they suspend the liability and keep the comp in effect). It costs about $25.00 a year per car, and the peace of mind is well worth it (even though I know I likely would not get all of my investment back, I wouldn't loose everything either).

Another bit of advice, in case you ever do have to turn in an insurance claim, keep all of your receipts and once the car is completed have it appraised so YOU have some documaentation to show the insurance company.

The couple of instances over the last 25 years that I have had to put a claim in (by that time the cars were both running) it was get an estimate (in one case they sent an adjuster out) file the claim and I received the check.

By the way the insurance company is ALLSTATE who has been very fair with me over the years.