Broad coverage extends beyond the comprehensive coverage and includes additional perils on the dwelling and outbuildings, and named perils on belongings. Broad homeowners insurance could also protect you from liability if someone is hurt or injured in your home, such as children, pets, or visiting friends and family.
Comprehensive insurance coverage will cover the dwelling (your home) and outbuildings (sheds, greenhouses, etc.), as standard, so if your home insurance is up to date, you should be covered against included perils and damage to your outbuildings. Most home insurance plans will also provide coverage for your belongings.
When it comes to purchasing a plan for yourself, keep in mind that your policy coverage will depend on the value of your home and the items you are protecting from risks such as burglary, fire, and other major disasters.
You can always chat with us on which type is right for you and your home.