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Extended coverage is a term used in the property insurance business. All insurance policies have exclusions specific causes of loss (also called "perils") that are not covered by the insurance company. An extended coverage endorsement (EC) was a common extension of property insurance beyond coverage for fire and lightning. Extended coverage added insurance against loss by the perils of windstorm, hail, explosion, civil commotion, riot and riot attending a strike, aircraft damage, vehicle damage, and smoke damage.〔("extended coverage (EC) endorsement" ) International Risk Management Institute. Retrieved 2014-5-14.〕 The endorsement has been largely supplanted by what is referred to as "basic" causes-of-loss form first introduced by Insurance Services Office in 1986 as part of its simplified language revisions. The basic form includes most of the perils previously provided by fire and extended coverage and it adds vandalism and malicious mischief, sprinkler leakage damage, sinkhole collapse, and volcanic action. Coverage can also be extended on scheduled personal articles or applied as extensions to personal umbrella liability or extended title.〔(【引用サイトリンク】url=http://www.insurancecartoronto.ca/extended-insurance-coverage/ )〕 Broader coverage is available in "broad form" and "special form" causes-of-loss forms. Broad form adds three additional perils plus collapse due to certain causes. Special form covers almost all risks of loss except those that are specifically excluded. ==See also== *Insurable risk *Flood insurance *Health insurance in the United States#Supplemental coverage 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Extended coverage」の詳細全文を読む スポンサード リンク
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