What is true concerning the special form dwelling policy?

The special form dwelling policy is significant because it offers comprehensive protection for policyholders. In this context, Coverage A refers to the dwelling structure itself and is designed to cover an extensive range of perils, commonly classified as all-risk or open perils. This means that Coverage A will generally protect against any peril that is not specifically excluded in the policy, providing broad and inclusive coverage for potential damages to the dwelling.

Coverage C, on the other hand, pertains to personal property and is typically restricted to a more limited set of perils that could be described as broad form. Broad form perils include various named risks but do not extend to the same level of comprehensive protection that all-risk perils offer.

Thus, the statement that Coverage A is for all-risk perils, while Coverage C is for the broad form perils accurately reflects how these coverages are structured within the special form dwelling policy. This understanding is crucial for anyone looking to evaluate their insurance needs or for those studying property insurance policies.