Broad Form - Includes all the above, plus: Glass Breakage, Damage
from falling objects on building exterior.
Damage to building walls or roof from weight of snow, ice or sleet Water damage
caused by accidental discharge or leakage from a plumbing, heating or air
conditioning system or domestic appliance
Collapse of building walls or roof
Special Form - Same as Basic with some additional coverage for the property insured at the time.
Loss of Use - When the Residence Premises is uninhabitable there is coverage called additional Living Expense that is listed in the policy, meaning any necessary increase in living expenses you incur so that your household can maintain its normal standard of living.
Comprehensive (comp)- This is damage by wind/hail,Theft,Vandalism,and damage by upset,and hitting an animal (like a deer).
Collision - Colliding with any object,vehicle,or anything stationary.
UM/UIM- Uninsured Motorist/Under Insured Motorist. (Always make sure you have this coverage since there are so many people who will only carry a state minimum limit or are a new young driver.)
Gap Insurance (also referred to as Loan/Lease Coverage).
This covers your home, and up to 2 cars with additional Liability coverage. Usually 1,000,000 up to 5,000,000 depending on the coverage requested and you can cover boats and additional vehicles for more coverage and more premium.
This is coverage given to your spouse and kids in the event there is a death. ( We call this money for future delivery). Life Insurance is usually figured at 5 - 8 times your annual income that needs to be replaced.
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Here is what you can expect to be covered on your Homeowner's insurance policy under various kinds of forms.
Replacement Cost Coverage
This means that your personal property would be replaced w/ the same brand, model, or comparable unit.
Basic Form - covers: Fire, Volcanic Action, Smoke, Sprinkler Leakage, Sinkhole Collapse, Explosion, Vandalism, Riot of Civil Commotion, Lightning, Windstorm or Hail, and Aircraft of Vehicles.