Which coverages are included in H.O. 2 Broad Form?

The H.O. 2 Broad Form is a type of homeowners insurance policy that provides specific coverage for various types of damage to the insured property. It includes coverage for the dwelling, other structures, and personal property against a total of 20 named perils. These perils typically encompass risks such as fire, theft, vandalism, and certain natural disasters, among others.

This comprehensive approach to coverage ensures that policyholders are protected from a wide range of potential damages to their homes and personal belongings. It differentiates the H.O. 2 policy from others that may either offer limited coverage (like only dwelling and personal property) or exclude certain types of coverage altogether.

This policy type does not cover liability on its own; that is an additional feature that may or may not be included depending on the specific policy terms selected. Therefore, the H.O. 2 Broad Form is very much centered around protecting the structure and belongings against specified risks, which aligns precisely with the details described in the correct answer.