What distinguishes special form homeowners insurance from other types?

Special form homeowners insurance is distinguished by its broad coverage that includes all risks not explicitly excluded in the policy. This means that unless a particular peril is mentioned as an exclusion, it is generally covered. This type of policy provides a higher level of protection compared to other types, such as basic or broad form policies, which may limit coverage to specified perils.

By opting for a special form policy, homeowners benefit from the reassurance that many unforeseen events that might cause damage to their property are covered. This comprehensive nature is what makes special form insurance a popular choice among homeowners seeking robust protection for their assets. Other options may suggest limited coverage scenarios, such as focusing solely on specific risks or being cheaper; however, those characteristics do not encapsulate the defining attribute of special form homeowners insurance.