Special extended coverage is an endorsement to the standard fire policy so that it includes coverage for additional perils. The perils that this endorsement used to cover are now standard features of most property insurance policies.
Special extended coverage covers damage caused by windstorm, hail, explosion, civil commotion, riot, aircraft, vehicle, and smoke. These perils are now covered by a number of property insurance policies and, therefore, no longer need an endorsement.
The perils specified in this endorsement are even included in the package version of the homeowner’s policy. Policyholders, however, should still pay careful attention to the entire coverage offered by their policy, since it might still have a number of exclusions.
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