Extended Coverage Insurance

What Does Extended Coverage Insurance Mean?

Extended Coverage (EC) insurance is a supplemental endorsement added to a standard fire policy. It provides additional protection against perils such as hail, windstorms, explosions, civil commotion, riots, vehicles, aircraft, and smoke. However, modern standard property policies often include these perils as part of their basic coverage.

Insuranceopedia Explains Extended Coverage Insurance

The need for Extended Coverage (EC) insurance varies among individuals. For instance, those living in regions prone to frequent storms may have a greater need for windstorm coverage. Carriers handle wind-related losses differently, so the way a policy treats hurricane damage won’t necessarily match how it treats tornado damage, even when both fall under the same windstorm peril. However, since modern property insurance policies often include EC perils as part of their standard coverage, obtaining EC endorsements is frequently unnecessary.