BASIC insures against loss or damage caused by fire, lightning, explosion, smoke, windstorm or hail, aircraft, vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole, and volcanic eruption. Sprinkler leakage may be excluded; however, this should be considered only when the risk is not sprinklered and therefore not needed.
(Use ACORD Form #140)
Related PF&M Article: Basic, Broad and Special Causes of Loss Forms Analysis