@badonk congrats on the progress and thanks for updating the thread for strangers’ entertainment.
2 cents worth of opinion and experience for sensors and systems based on my recent build, and living in the nanny state of CA.
All new residential construction in CA (with only a handful of exceptions) requires an automatic fire suppression system. It’s a contributing factor to the increase in construction costs.
CA energy code also requires things like window sensors connected to thermostats that automatically shut off the heat if a window is open to conserve power. The inspector didn’t check for mine. There are a myriad of other examples of things the code requires; none of which have an impact on insurance, unless you need to make a claim. and conversely, there are small items that code doesn’t require, but if you don’t have them it’s grounds for insurer to deny a claim. Ex. Code doesn’t require
a leak detection system, but I found out the hard way that I couldn’t make a claim on a leak and flooding because I didn’t have one installed.
I’d encourage you to get a list from the builder of “must haves” and “probably can get away without”, and, see if you can sit down with a friendly insurance agent and get the same list, and see where they overlap.
Re: fire suppression specifically. I was able to sidestep the requirement in my shop, and having it wasn’t going to have any impact on my insurance rate. The fire risk from wildfire is multiples higher than structure fire. So I took steps to mitigate the risk of a fire coming from outside, vs. inside with metal siding, roofing, and hardpscaping.
Kudos on the progress. And best not to check the hourly rate for shoveling, it might prompt you to change careers.