Check out the insurance threads. The insurance carriers are not wanting to play with body and frame mods, roof raises, wood stoves, coal stoves, roof decks and rear decks. You will just have to call them and ask telling them the state you are going to. Do your due diligence before you build it.
“Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?
” George Carlin