No? I've never been able to read a policy before underwriting? The same insurance carriers have different sub-companies they put different customers in depending on the specifics of the customer, one sub-company might have the restrictions and one might not. Might also depend on the specifics of the car park - how close to the building it is, if it's attached, etc.

You really don't know what you're going to get until you get your personal quote - For example, my previous insurance policy has a separate, much higher, deductible for hurricane claims which wasn't disclosed until after I got the quote. I shopped around quite a bit because I wasn't happy with that provision of the policy and was able to find one that didn't have a separate hurricane deductible for cheaper.