Quick answer
Not under a standard homeowners policy, no. Homes under active construction are typically excluded from homeowners coverage entirely and need a separate builder’s risk policy instead, one that’s meant to hand off cleanly to your homeowners policy the moment the home is finished.
That handoff is where most of the real risk sits, not during construction itself. We cover exactly how to manage it, and what to confirm before your builder’s risk policy lapses, in our full guide to insuring new construction in Ohio.