What does your building contract say? According to one contract i have seen lately, all goods and appliances on site, regardless of who has provided them, become the property of the builder. There should also be provision in the contract or the code of conduct of the builder relating to ensuring the property is kept secured. In the contracts there should be something about the builder's insurance.
If you are worried about security on site, don't move the items to the property until you have to.
Perhaps you should contact your insurance agency and get some advice.
It does concern me that your builder is starting to distance themselves from responsibility - please make sure you understand your building contract fully and perhaps check out your state's consumer affairs department for more information.
A friend who is currently building - the builder refuses to have a key lock safe put in (the key was often left in plain site of anyone coming to the site or lost). Tiles and light fittings etc have gone missing. Lots of things broken (by the builder's reps but they won't take responsibility for the damage). They also told my friend they won't cover all loss or damage, although they are the reason for loss and damage!
Our builder's staff permanently damaged a high quality bathroom vanity and sink - i was told it was my own fault as it was in the contract for them to install it (!) and they did not want to do it and then i was told it was because we had not bought the product at full price, as to them it meant we had bought it damaged (that is with holes drilled all over it and the glass benchtop very obviously scratched and with random screws sticking out of it), even though it had never been used before and was wrapped up in original packaging and kept protected until installation). But then i am a lying b**ch as far as they are concerned.
This post has been edited by katpaws: 11/11/2012, 12:30 PM