If it's like here in Finland, coverage means there's a fibre running under the street in front (or close enough nearby) but because it costs quite a lot to connect a building to it, especially if you want higher speeds and have to start retrofitting every apartment, many haven't done it.

For example our house officially has fibre coverage, but the street-to-house connection costs ~1800€ which is why we still run a VDSL while the apartment building down the street has 10Gbit to every apartment.