Insurance Policy with water, mold, vandalism, pest etc.

[Gp G.]

What are the must-haves to have your insurance policy ? What are the best coverages and limits to have in insurance policies to cover edge case scenarios like these Insurance Policy with water, mold, vandalism, pest etc. Also lot of insurance companies to give new quote asking for proof of new roof replacement otherwise not giving quote which concerns me as my roofs are very old replaced by previous owner or original roofs. Please advise