What is generally covered under the Causes of Loss—Broad Form?

The Causes of Loss—Broad Form provides coverage for all direct physical losses unless they are specifically excluded in the policy. This means that a wide range of risks are covered, granting protection against most damages to property caused by various perils, such as fire, explosion, and vandalism. However, exclusions do apply, and understanding which exclusions exist is critical for policyholders to know the limitations of their coverage.

The breadth of this coverage is significant because it ensures that policyholders have a robust safety net against many unforeseen events that could cause loss or damage to their property, as long as those events are not listed as exceptions in the policy. This comprehensive approach to coverage distinguishes the Broad Form from more limited options that may focus only on specific types of loss or perils.