Home Insurance – Broad

Broad Form Home Insurance

Like most things we buy, home insurance comes in all shapes and sizes, from minimum coverage in a no frills policy to very thorough protection offered by comprehensive home insurance. While we’d all like to be fully protected, managing our budget is important too and that’s where selecting the home insurance – broad option can be a great choice.

What Does Broad Home Insurance Cover?

A broad form home insurance policy generally protects your dwelling from all risks, and the personal belongings inside your home from named perils only. The risks included for your dwelling coverage usually include the following perils:

  • Fire or lightning
  • Smoke
  • Theft or damage due to an attempted theft
  • Damage caused by impact of a vehicle or aircraft
  • Damage caused by falling objects
  • Vandalism
  • Explosion
  • Riot
  • Accidental water damage
  • Windstorm or hail
  • Collapse or partial collapse of a building

There are a few other causes of damage that are rare but also covered so be sure to ask your broker for the full list.

Other Options for Coverage

Home insurance does not include absolutely everything; if it did none of us could afford it. Take a look at these situations, which may apply to you but are not usually included in a standard policy:

  • Overland flooding
  • Sewer back-up
  • Expensive jewelry or sporting equipment
  • Extensive collection of coins, stamps, memorabilia
  • Running a home-based business
  • Unusual or unique possessions

If any one of these describes you, ask for a quote to see how much extra it would be to add this coverage to your policy. If a few of them apply to you, then it may be better to choose a more comprehensive policy.

Home Insurance Protection at the Right Price

Our home insurance experts would be happy to answer your questions and provide no-obligation quotes for your consideration. Contact Mitchell and Whale Insurance Brokers at 1-800-731-2228 or email us at info@mitchellwhale.com. We want to make home insurance easy for you.


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