Special Extended Coverage

What Does Special Extended Coverage Mean?

Special Extended Coverage is an endorsement added to a standard fire policy to include protection against additional perils. However, the perils previously covered under this endorsement are now typically included as standard features in most modern property insurance policies.

Insuranceopedia Explains Special Extended Coverage

Special Extended Coverage provides protection against perils such as windstorms, hail, explosions, civil commotion, riots, aircraft, vehicles, and smoke. These perils are now commonly included in many property insurance policies, eliminating the need for a separate endorsement.

In fact, these perils are often part of the standard package in homeowner’s policies. Most of them are now part of what a typical homeowners insurance policy covers without a separate endorsement. However, policyholders should carefully review their policy’s full coverage details, as it may still contain exclusions that limit protection. For perils like windstorms and hail, coverage can depend on the policy form and location, so it helps to check whether your homeowners insurance covers natural disasters in your area.