In some instances, new laws or government

In some instances, new laws or government regulations could require upgrades on a home that isn’t otherwise damaged, such as updates to an aging yet functional natural gas pipeline. Some cities have even passed ordinances that require homes of a certain size to install fire suppression systems, at the cost of the homeowner. A standard policy will not cover the cost of government-mandated upgrades, though some insurers offer added ordinance coverage. The same is also true if the government confiscates or condemns your home or property for any reason. Home insurance will not cover the damages.