i am looking at my policy dec page- i have limit of liability at $10k for personal property and under Peril insured against it states "Broad form". What does this mean?
also have section that mentions following under landlord's premises liability
Coverage L-Liab. BI+PD combined single limit each occur. $500k (is that Bodily injury and property damage).. shouldn't that cover it?
also have another line that states following
Unit-Owners/building items coverage
amount of liability is $1k
then under Perils insured against i have section that states following;
Freezing of plumbing, heating, air conditioning or automatic fire protection sprinkler system or of a household appliance are covered. why would they have this in my policy if it wouldn't cover the damages?

