What distinguishes the special form dwelling policy from other forms?

The special form dwelling policy is distinguished primarily by its coverage for open perils, which means it protects against all risks of loss except for those that are specifically excluded in the policy. This type of coverage is broader compared to other dwelling policy forms, such as the basic form or broad form, which typically provide named perils coverage. Named perils coverage only protects against losses caused by specific risks listed in the policy, making it less comprehensive.

By offering coverage for open perils, the special form policy provides enhanced protection for property owners, allowing them to safeguard their investments against a wider array of potential losses, unless an exclusion is specifically noted. This distinction makes the special form particularly appealing for those seeking to minimize coverage gaps and ensure broader protection for their dwelling and personal property.

The options related to theft coverage and deductibles pertain to specific features that may vary across policies, but they do not capture the defining characteristic of the special form dwelling policy as effectively as the open perils model does.