Insurance and home loan changes after claims

I have a joint home loan account with my step-mom and biological father who passed on last year February. The house have an insurance that we were told that it covers all the three of us incase of death. I went to the bank to inquire after my father's death they checked the system and said yes it is covered and told me which documents to submit i submitted them around July. Then i phoned to check they said their still busy. I phone again same story until one day when i call they said the house is covered incase of fire or any disaster not death but that's not what it was said when we sign. They told us about death and earthquake that the earthquake they don't pay because of mine. After i was told about Liberty that the cover is with Liberty not standard bank but I signed with standard bank i didn't know anything before about Liberty and truly they removed it from standard bank to liberty after the claims. I received an email from Liberty requesting that i must pay premiums that they said to me i was owing as they didn't have my banking details standard bank didn't give them i ask if the policy was with you liberty why now do you change because i was paying with home loan it was included there on monthly statement the answer wasn't clear until today but I'm paying still as i don't want to give them reasons that i missed premiums the question is what changes a cover from covered to fire that i was not told about . I asked how because we were told that incase of death the house is covered . Then I was advised to apply the loan alone and remove my parents. They also told me which documents to submit i asked my step-mom she gave me everything that they wanted while they first checked if i qualify alone then they said I qualify. Then I submitted everything that they wanted from January again they were busy with the application until February 2020 when I called then i was told that i don't qualify. They even came to evaluate the house then i was waiting for them to tell me what's happening no one did until i called then i was told that i don't qualify .From the beginning i was paying the loan alone as i still do via my persal because they were helping me to qualify only not to pay as they stay in Mpumalanga I'm in Gauteng where the house is. How come now they say i don't qualify to be alone but I'm still paying even know i have never missed a single month or give excuses not to pay. Before submitting documents i went to the bank i was told that i qualify i need to submit required documents and they told me what to submit i did my best to get those documents from my step-mom. What changed for you to say i don't qualify after you said i qualify before submission of documents .why changes everything after submitting all the documents that they want ?.