What additional coverage does the Broad Form (DP-2) include over the Basic Form?

The Broad Form (DP-2) policy offers enhanced coverage compared to the Basic Form (DP-1). One of the key additional coverages included in the Broad Form is protection against damage caused by the weight of ice, snow, and sleet. This coverage is particularly important in climates where heavy snowfall or ice accumulation can lead to significant damage to buildings or structures.

By including this coverage, the Broad Form addresses a common risk that may not be covered under the Basic Form, which typically provides a more limited range of perils. This inclusion increases the overall protection for policyholders by ensuring that they have coverage for damages that can occur during winter weather events, thus offering a broader safety net for homeowners or property owners.

The other options, while relevant components of property insurance, are either not specific to the additional coverage in the Broad Form or do not represent the enhancements made over the Basic Form. For example, flooding is typically excluded from standard policies and requires separate flood insurance, and higher liability limits or replacement cost coverage pertains to different aspects of property insurance, rather than the specific perils covered in the Broad Form.