What’s “bylaws” coverage and why do I need it?

Bylaws coverage protects you from increased costs of rebuilding or repairing your home if you have to comply with new bylaws. It’s included with all home and landlord policies with a limit of $25,000 for covered claims. 
  
For example, if your 25-year-old home has to be rebuilt after a fire, maybe the municipal bylaws require you to install a sprinkler system. With bylaws coverage, we’ll cover the extra costs to put in a sprinkler system, so you don’t have to pay out of pocket for required updates.