Special vs Broad Perils in Homeowners Insurance
Not All Policies Are Created Equal
When shopping for homeowners insurance, it’s easy to focus on price. But don’t overlook the most important detail: the type of peril coverage. Comparing Special vs Broad Perils could mean the difference between a paid claim and a denied one.
Let’s explore the differences between Special vs Broad Perils (and Basic too), so you can make a truly informed decision—not just a cheap one.
What Is Basic Perils Coverage?
Basic Perils coverage is the most limited form and typically only used for high-risk properties like vacant homes. It only covers specific events like:
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Fire
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Lightning
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Vandalism
If it’s not listed, it’s not covered.
Broad Perils Coverage Explained
Broad Perils (or Named Perils) policies list specific events that are covered, such as:
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Fire
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Wind or hail
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Theft
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Falling objects
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Weight of ice or snow (under certain conditions)
Anything not listed is excluded. In these policies, you must prove the claim fits the coverage.
️ Special Perils Coverage: The Broader Option
In the Special vs Broad Perils debate, Special Perils (also known as Open Perils) offers the most comprehensive coverage. Rather than listing what’s covered, it lists what’s not:
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Everything is covered except specific exclusions.
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The burden of proof is on the insurance company to deny coverage.
But not all Special Perils policies are identical—some insurers may exclude things like vermin damage, while others won’t.
Different Perils for Different Property Types
Many policies offer Special Perils for your dwelling but only Broad Perils for your personal property. That means:
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The structure is broadly protected
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Your belongings may be limited to specific perils
This comes up often with ice damming in the Midwest—your roof may be covered, but your damaged couch may not.
Why Bad Reviews Happen
Most negative reviews about homeowners insurance boil down to misunderstood coverage, not poor service. People assume their belongings are fully covered when they may only be protected under Broad Perils.
✅ Final Takeaway: Ask the Right Questions
Before you choose a policy, ask:
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Is this Special vs Broad Perils coverage?
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Are different parts of my policy covered differently?
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What exclusions should I be aware of?
Understanding Special vs Broad Perils ensures you’re buying coverage that actually protects you.