Will your homeowners insurance cover a collapsing wall in your home?

I am so glad most people will be renting for a long time. I am a homeowner in 5 homes for 50 years--in the last 20 yrs. I have not found an insurance company that would cover anything. I will be nice to see them close all those office buildings (on every other block) and suffer hardship like the people they promised full coverage and began taking it away a little at a time---until they became lip service only.