Under the liberalization clause, when an insurer broadens its form without charging more, an existing insured:

Giải thích

The liberalization clause gives the insured the benefit of a broadening the insurer adopts at no additional premium, without any endorsement, request or new policy. It keeps insureds from being penalized for buying before an improvement was filed and saves the insurer from reissuing every policy in force. Waiting for renewal or paying extra describes what the clause exists to avoid.