What kind of policy would typically cover damage from windstorms?

The correct answer is a Comprehensive Policy, which typically provides coverage for a wide range of risks, including damage caused by windstorms. This type of policy is designed to cover all perils except those that are specifically excluded. When a property is insured under a comprehensive policy, the policyholder benefits from broader coverage, which means that windstorm damage would generally be included, assuming it’s not listed among the exclusions.

In contrast, a basic coverage policy usually covers only specific types of perils, often leaving out windstorm damage unless it is explicitly included. Named perils policies explicitly state the perils that are covered, which may or may not include windstorms depending on the wording of the policy. Special perils policies, while more comprehensive than named perils, can still have certain exclusions that might not cover wind damage, depending on the specific terms and conditions set forth in the policy. Thus, the comprehensive policy is the most encompassing option among those available, ensuring that windstorm damage is likely covered.