Extended coverage (EC) insurance is supplemental coverage added to a standard fire policy as an endorsement. It extends coverage to hail, windstorm, explosion, civil commotion, riot, vehicles, aircraft, and smoke perils. However, nowadays standard property policies often include these perils in their coverage.
Some people have more need for extended coverage insurance than others. For example, people who live in areas with frequent storms have a higher need for windstorm coverage. Nevertheless, contemporary policies often already cover EC perils; therefore, it is often unnecessary to require EC endorsements on modern property insurance policies.
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