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Property 

The basic property policy covers the insured's property for the following perils: fire, lightning, windstorm and hurricane, hail, explosion, riot, civil commotion, aircraft, vehicle damage and smoke damage.

A step up is the "broad form" policy, adding the following to the basic policy: vandalism and malicious mischief, incidental discharge of plumbing or heating, rupture or bursting of water pipes, fall of trees, falling objects, freezing of plumbing, collapse of building from weight of ice or snow and glass breakage.

At the top of the list is a special form or "all risk" policy.  It covers everything except what is excluded.  The term "all risk" is a misstatement, because all policies have exclusions.  You should always read the exclusions on any type of insurance policy you purchase.  The exclusion could possibly exclude the very coverage you needed to insure.

SAFFE Property & Casualty LP     2113 Greenbriar Dr., Suite E, Southlake, TX 76092  • 2611 Cypress Creek Parkway - (FM 1960 West) Suite F-101, Houston, TX  77068  •