In Broad Perils, which of these additional risks are covered beyond Basic Perils?

In the context of Broad Perils, coverage extends beyond the Basic Perils to include various additional risks that can affect property. Weight of ice and snow damage is a significant peril included under this category. It recognizes the potential harm that can occur to structures due to the accumulation of snow and ice, which can lead to roof collapses and other structural issues.

This coverage is essential, especially in regions that experience heavy snowfall, as it provides financial protection for homeowners against damages that might otherwise be a considerable unexpected expense. The inclusion of this peril reflects a broader understanding of the risks associated with specific weather events, illustrating how property insurance can adapt to various environmental factors.

The other risks mentioned do not fall under the Broad Perils coverage typically. For instance, intentional damage is generally excluded from coverage because insurance is not designed to protect against willful acts. Flood damage, while a significant risk, usually requires separate flood insurance policies, as standard homeowners' policies typically do not cover flooding. Similarly, earthquake damage often necessitates a specialized earthquake endorsement or separate policy entirely due to the nature of the risk and the specific underwriting involved.