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Hi, Special form is usually a form that rather naming the perils insured against (like Basic and Broad forms) it will have excluded perils. Named perils are: fire, lightning, wind, hail, riot, airplane etc. Special form does not list the coverages but rather insinuates that everything is covered except for the list of excluded coverages. Usual exclusions are things like pollution, war, theft (sometimes) to name a few. It is a much broader based coverage and I would recommend getting special form whenever possible.

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Q: On an ACORD standard Certificate of Insurance form there are several categories of Property Insurance coverage Basic and Broad and Special etc. What does SPECIAL designation cover?
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