New metal roof & gutters, new covered porch, new side deck Trex material, new large capacity water heater, new Bluetooth thermostat, new sump pump, new HVAC ducts, new HVAC lines, new LED backlit mirror, new electric wiring for entire house, inspected and up to code, new plumbing is all PEX line plumbing, What made you interested in investing in this type of deal?

New 200 amp breaker panel and new electrical service (all permitted).

I'm glad you brought this up because these kind of issues of wear and tear on  electrical, Hvac, plumbing, etc are not necessarily structural. 

-new sump pump-new HVAC ducts-new HVAC lines-new LED backlit mirror-new electric wiring for entire house, inspected and up to code.

This contractor will take me from gutted house to ready-for-drywall (reframing, new siding, finished basement, new siding, new roof, new plumbing, new electric, new HVAC), at which point I will take over and complete the internals with my team. 

My son & daughter were helping us "onsite" with plumbing at 10 years old and my son chose electrical.

Something like: when the foundation is finished, the framing, electric and plumbing are in, roofing and siding, etc   They will usually hold back 20% or so until the house actually has cleared all permits including the final permit of occupancy.  

I would personally always recommend using licensed and insured contractors - especially for hazardous trades such as gas and electrical.

Depending on the company, you may have to get a sepparate policy if the lot has had any improvents (cleared, electric run, Plumbing run, grading, etc.). 

Electrical, hvac, plumbing, anir controller,  etc.