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  • Writer's pictureJoyce Insurance

Which Insurance Coverage is Right for Me: Basic, Broad, or Special?

Updated: Sep 14, 2023

Insurance coverage is an essential safeguard against unforeseen events, protecting individuals and businesses from financial loss. In the world of insurance, you may encounter terms such as basic peril coverage, broad coverage, and special coverage. Read on to learn the differences between the three insurance policies and how to choose the right one for you

If something happens to you or your property that falls within this list, the insurance will step in to help!


In the world of insurance, you may encounter terms such as basic coverage, broad coverage, and special coverage.


Providing protection for specific damages, basic coverage is the most basic type of insurance. It does not cover much…it's basic. There is only a limited list of claims that are covered, including:

  • Fire

  • Lightning

  • Windstorm or Hail

  • Explosion

  • Smoke

  • Vandalism

  • Aircraft or Vehicle Collision

  • Riot or Civil Commotion

Insurance carriers will not pay claims if the damage doesn't meet this list.

Broad coverage provides better coverage than basic, but it is still limited. Like basic coverage the insurance carrier will only pay the claim if the damage was the result of…

  • Burglary/Break-in damage

  • Falling Objects (like tree limbs)

  • Weight of Ice and Snow

  • Freezing of Plumbing

  • Accidental Water Damage

With special coverage, almost everything is covered, unless it is explicitly excluded from the policy. It's like having an "all-in-one" insurance plan. Some examples of damage that is not covered are:

  • Surface Water

  • Termites

  • Rodents

  • And more

What are you waiting for, consult an insurance expert and get a quote now!



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