A property insurance designation for coverage that extends beyond the basic named perils.****************A property insurance designation for coverage that extends beyond the basic named perils. This coverage can be found on both commercial and personal property policies. Broad form perils may include the basic perils as well as vandalism, malicious mischief, damage by burglars, falling objects, weight of ice, snow or sleet, accidental discharge of water or steam, sudden and accidental tearing arpt, freezing, sudden and accidental damage from artificially generate electrical current. The exact perils will vary by insurer.