House insurance during and after construction or not at all.

A couple of discussions topics I have, unfortunately this is one of the necessary evils of modern society :
1. At what point in time does your house insurance cover you if you have made modifications? Assuming you have followed proper process, ie D/A approval. I would imagine that once you have the final completion certificate then you would be covered.
2. If you don't take out home warranty insurance then if 1. is complete then would your existing policy cover you? would you need to upgrade/change your policy once this is done.
3. What if something happened (ie fire) and you are part way through the build and you have completed your D/A but not had the final inspection sign off but passed all the steps along the way would you have a valid argument that you should be covered under your existing arrangement.
4. Has anyone had experience in these areas?


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