We require all ABWK homeowners to carry homeowners insurance. This is a protection for homeowners in the rare case that they have issue's with anyone working on their property.
Even though volunteers and staff are protected through Habitat's insurance coverage, it does not cover the homeowners possible liability from an accident.
We also want the homeowners property protected after we fix up a home to protect our investment from future hazards.
We run into this issue fairly often. We usually find ways to get them insured through our state program or they find other means of getting insurance so they can have us work their home.