Insurance for cap x expenses

[Dan Gongora]

Hi BP community! I'm scheduled to close on my second 2-unit property but I know that some time in the future there are repairs/updates that I will have to make. For example: -The parking lot/driveway needs to be resurfaced -Water heater will need to be replaced -Pluming is currently galvanized which from what I understand will need to be replaced with copper -roof, etc Is there an insurance policy that I can get that will cover me for those maintenance/repair expenses that I foresee ? or is the only solution paying for those expenses out of pocket. I'm mostly concerned with resurfacing the lot and replacing my current plumbing to copper in the future Thanks!