What is the primary intent of the Special Coverage Form (DP-3)?

The primary intent of the Special Coverage Form (DP-3) is to offer a broadened contract for various incidents. This form is designed to provide coverage for a wide range of perils, specifically those that are not explicitly excluded in the policy. Unlike basic forms that may only cover specific perils, the DP-3 form provides open peril coverage, meaning it covers all risks unless they are specifically listed as exclusions. This makes it more comprehensive and beneficial for policyholders who want to ensure maximum protection for their property.

This broader coverage is particularly advantageous as it can protect against a variety of unexpected events that standard policies might not cover. Such inclusivity helps homeowners or property owners feel more secure knowing that they have protection against many potential risks to their property.