Which peril is covered only by broad form and not by basic form?

Which peril is covered only by broad form and not by basic form?

• A. Falling objects
• B. Fire
• C. Smoke
• D. Vandalism

Answer: (A)

Falling objects are covered only when broad form is used because broad form adds additional perils beyond what basic form lists. Basic form covers a limited set of named perils, and falling objects isn’t one of them, so damage from something like a falling branch wouldn’t be paid under basic. Broad form, however, includes that risk, so if a falling object damages the property, the loss is covered. Fire is a basic peril, and smoke is typically covered as well, while vandalism is usually included in broad form as an added peril, so those aren’t exclusive to broad form like falling objects.

Falling objects are covered only when broad form is used because broad form adds additional perils beyond what basic form lists. Basic form covers a limited set of named perils, and falling objects isn’t one of them, so damage from something like a falling branch wouldn’t be paid under basic. Broad form, however, includes that risk, so if a falling object damages the property, the loss is covered. Fire is a basic peril, and smoke is typically covered as well, while vandalism is usually included in broad form as an added peril, so those aren’t exclusive to broad form like falling objects.