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Your roof is situated right above your house and is there to protect you from all sorts of things like rain, mold, hail and snow.
In the process of protecting you every single day it is going to suffer some damage. This is why it is necessary to get it fixed on a regular basis because if the problem worsens it will lead to leaks and internal damage of your house.
Paying to get it fixed each time will cost a lot of money, hence you should invest in some good quality insurance.
If you have taken a good home owner insurance policy it will protect your roof in case of damage. It should cover vandalism, fire damage and acts of god like tornadoes and hurricanes. Even damage caused by rain, wind, hail and snow is protected with this policy.
Another big benefit of a homeowner insurance policy is that it will cover medical payments in case you are physically harmed and provides personal liability coverage in case of a lawsuit.
A home insurance policy will only offer protection for the damage caused to the roof (vandalism, fire, rain, wind, etc.). The extra benefits like medical will not be part of this insurance policy.
Many of these policies will not cover roof damage caused due to floods, hence if you live in a flood prone area get some flood insurance along with the above policies too.
While choosing any of these policies, the main thing you should be concerned about is the blueprint as sometimes the company will add some restrictions that will prevent you from benefiting from the coverage in case your roof is too old. So make sure you read it and work it out with the company.
Most policies will cover both repair and replacement.
These insurance types offer coverage for your roof. Make sure you have at least one or all of them.