If my insurance company broadens coverage without increasing the premium, will I automatically benefit?

5 structural repairs most home insurance will cover · Roof damage from a severe storm. · A total collapsed roof from the weight of snow or ice. · Damage from an ... What does homeowners insurance help protect? · Loss of Use. If your home is unlivable after a covered loss, we'll cover your increase in living expenses. Besides, having condo insurance can help protect your personal belongings inside your home and provide personal liability protection should any accidents occur ... Mar 11, 2025 ... What Does Condo Insurance Cover? · Personal Belongings · Structural Damage · Additional Living Expenses · Personal Liability. Homeowners' insurance covers damage or loss by theft and against perils which can include fire, and storm damage. It also may insure the owner for accidental ... Watch: Does my insurance policy cover that? | What are covered perils ... Condominium insurance covers your personal property and the interior of your unit. Typically, a condo policy covers structural items inside your condo unit such as paint, flooring, cabinets, crown molding, etc. When you remodel or upgrade your ... What it covers: HO-1 policies typically provide coverage only for damage or loss caused by 10 specifically named perils: Fire or lightning; Windstorm or hail ... Condominium insurance provides coverage for damage to your house and other structures on the property where your condo is located. It is important to understand ... ... policy which offers additional coverages to provide the equivalent of comprehensive homeowners insurance. ... Do I need a FAIR Plan Policy? If you cannot ...