Covered Causes of Loss for Property Insurance

BASIC (named perils)
FORM

BROAD
FORM

SPECIAL (all risk )
FORM

Fire

X

X

X

Lightning

X

X

X

Explosion

X

X

X

Windstorm or Hail

X

X

X

Smoke

X

X

X

Aircraft or Vehicles

X

X

X

Riot or Civil Commotion

X

X

X

Vandalism

X

X

X

Sprinkler Leakage

X

X

X

Sinkhole Collapse

X

X

X

Volcanic Action

X

X

X

Breakage of Glass

X

X

Falling Objects

X

X

Weight of Snow, Ice or Sleet

X

X

Water Damage

X

X

Theft

X

Other Unspecified Perils

X

Additional Coverage-Collapse

X

X

FLOOD AND EARTHQUAKE MUST BE PURCHASED SEPARATELY OR AGREED UPON BY THE COMPANY

BASIC FORM IS ALSO REFERRED TO AS "WHARVES" OR "REVSHAW"