Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from NULL, NULL

Asked on 05/10/2010

What are the criteria for determining whether it makes sense to buy special perils coverage for my homeowners insurance? NULL

Answer given on May 23, 2010

If your home qualifies for Special form, it is the preferred form of coverage.  There are 3 forms; Basic, Broad and Special.  Of the 3, Special Form offers the most comprehensive coverage.  Under special form losses are covered unless they are specifically excluded on the policy.  Common exclusions are; war, flood, fungus, etc. Basic form offers 11 covered losses; fire; lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, or volcanic action. Broad form covers the losses on the Basic form plus falling objects, weight of ice, sleet or snow, and accidental water damage.  On the Basic and Broad form the insurance company has to specifically include the cause of loss for coverage to respond. On Special form the Insurance Company has to specifially exclude the cause of loss, otherwise the loss will be covered.


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