During the construction of your home, homeowners insurance will cover most of your risk but you are asked to grab a builders risk policy due to the possibility that a contractor breaks something or they open the roof and a leak sets in -- the good news is you will only pay for the length of the time you're using it. As soon as you close the extra policy you will no longer be charged.

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Either you want to purchase a home and want to renovate the home or you currently own the home and want to tear it down and build it anew.

If you own the own home a bank will loan you, in most cases, up to 80% of the value of your home. Your LTV or loan to value will depend on the current value of your home but no more than 80% of your home's current value.

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From downloading a template online to outline what you intend to spend on -- getting an exact amount of the raw materials is possible if you know what type of material you're looking to invest in when building and designing your home because you can get a kitchen counter for $10,000 or $2,000 depending on the materials.

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From night lights, walk lights to exterior lights and even under the counter lighting Josh Rubenstein takes you through the finer details of choosing lighting for you home and what the benefits of each type are Not to mention covering the basic rules behind wall outlets and how they have to be apart every four or six feet. Josh also shares why he’s a fan of custom closets especially for homes in cities like New York.

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Here’s your crash course Harvard education for building a home from the costs associated with each item to what the first three steps are in the process. This begins to cover the point where you're ready to start construction. Josh Rubenstein will cover items like what to watch for when creating foundations for your home that involve your neighbor via a process called Shoring that keeps your property lines from falling into each other.

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Going directly to a contractor will save you time and money according to Josh Rubenstein--Architects can potentially see you as a one off project if you’re going to them directly whereas a relationship with a contractor like Josh can potentially mean a variety of projects which is financially promising to an Architect which will bring a better deal for anyone working with the contractor.

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From what states require an architect to file a plan -  Josh Rubenstein covers the basics regarding hiring an architect. Some of the details covered also include what to expect when you go straight to an architect and what they will actually provide for you when you purchase their services.

Josh also reveals that in New York City you do have to be a registered architect to engage the services of an architect.

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Finding out if the contractor is gonna be taking responsibility for violations or stop work orders. How stop work orders affect workflow and timelines. How the building department can give violations to the homeowner or to the contractor.

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How to make sure a contractor's licensed and other requirements that vary by city and state with a focus on how specifically New York City and the surrounding boroughs operate. Josh includes insights on going to the New York City department of buildings and typing in the name of the contractor to verify their legitimacy -- Going to the better business bureau to tell if there are filed complaints.

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One of the biggest expenses in your life is worth getting educated about and Josh Rubenstein wants to share his Harvard Education level experience in the business with you -- From eight story condo buildings to residential family homes Josh shares an overview of 14 years in building homes.

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