Newbie Question

Wouldn't obtaining insurance (comprehensive home owners insurance) on a rental property take the place of cap ex?

Looking forward to the responses

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Location Houston TX
This is my first time working with insurance ...

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Do you pro-actively save for major projects (new roof, new HVAC, new water heater, etc)? Or, do you sort of wing it and hope for the best, knowing that you'll probably have enough cash on hand to cover something li...