Which policy form offers the broadest coverage for a dwelling?

The Special form is designed to provide the broadest coverage for a dwelling by offering protection against a wide range of risks. Unlike the Basic form and the Named peril form, which only cover specific, listed risks, the Special form employs an "open perils" approach. This means that it covers all perils except those specifically excluded in the policy.

This comprehensive coverage typically includes protection against risks like fire, windstorm, theft, and more, unless explicitly stated otherwise. Therefore, policyholders with a Special form can enjoy greater peace of mind knowing that they are better protected against numerous potential hazards that could affect their dwelling.

The Broad form also provides more coverage than the Basic form, but it is still limited compared to the Special form. Hence, the Special form stands out as the most extensive option available for dwelling coverage.