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Insurance is more than just picking a policy with the right price—it’s about understanding who is providing the coverage and what that means when you need to use it.

Insurance terminology can often feel like a foreign language, but if you own or manage property, understanding certain terms is critical to protecting your investment.

If you’re shopping for property insurance, you’ve probably heard terms like Basic, Broad, and Special forms thrown around. But what do they actually mean for you, your building, or your rental property?