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In addition , up to 10 buildings and / or their contents may be insured on one policy on a scheduled building basis , if the application to schedule buildings under one policy is presented on a form or in a format approved by the Federal Insurance Administrator . It is a generation that is growing up on gadgets and gizmos that evolve faster than the time taken to download the latest ring tone into an already outdated cellular phone fitted with a digital camera . Some companies charge a small annual maintenance fee , perhaps in years in which no premium payment is made , under a flexible premium retirement annuity . Remember that these secondary residences are not automatically covered by the home insurance policy on your primary or principal residence . You agree to follow the rules of the HMO and use the HMO 's providers . Suspension of a participating community ( usually after a period of probation ) occurs when the community fails to solve its compliance problems .