Which type of dwelling policy would provide the broadest coverage?

The special form policy provides the broadest coverage among the different types of dwelling policies. It insures the dwelling and personal property against all risks of physical loss or damage, except for those specifically excluded in the policy. This means that it offers a much wider range of coverage compared to the basic and broad forms, which typically cover only specified perils.

With the basic form, coverage is limited to named perils, which means only those risks explicitly listed in the policy are covered. The broad form expands coverage to include more perils, but still operates on a named peril basis, leaving out many potential risks. In contrast, the special form is designed to protect against almost any risk, making it the most comprehensive of the dwelling policy options.

Hence, for individuals looking for extensive protection against various loss scenarios, the special form policy is the ideal choice, ensuring that they are safeguarded against a wide swath of potential risks to both their dwelling and personal property.