It generally helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism. (allstate.com)
This type of policy typically helps protect the building you own from certain perils — damage caused by hail or fire, for example. (allstate.com)
Some insurance companies may also require you to purchase additional riders for coverage against certain perils such as hail or wind damage. (trustedchoice.com)