Building Coverage

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  • Building Coverage is more than Building Coverage.


Building coverage usually means coverage on a building, but it should also mean coverage on things like outside walls, walk ways and fences. Also landscape, signs, awnings, out-buildings, antennas and glass.


Sometimes these extensions of coverage have limited amounts of insurance separate from the amount on the building. Sometimes there are no extensions of coverage.


  • Building Coverage is more than Fire Insurance.


Fire may be the least of your problems
Get the most you can!
Basic
Form
Fire, Lightening, Explosion, Windstorm or Hail, Aircraft or Vehicles, Riot or Civil Commotion, Vandalism, including Malicious Mischief.

Named
Perils
Usually, broader coverage than Basic Form, with other perils like Breakage of Glass, Falling Objects, Weight of Snow, Ice or Sleet, Limited Water Damage.
Special
Form
Can be "risks of physical loss" unless the loss by the peril is excluded or limited. Sometimes referred to as all-risk, although there is no such thing as all-risk coverage.

Extensions
Fire Sprinkler Leakage, Theft, Ordinance of Law, Power Failure.

Exclusions
Flood, Earthquake (Earth Movement), Acts of Civil Authority, Ordinance of Law, Nuclear Hazards, Power Failure, War or Military Action.