What type of coverage includes hazards such as Accidental Discharge and Freezing Plumbing?

The correct answer is named peril broad coverage. This type of insurance specifically includes coverage for certain risks that are explicitly named in the policy. Hazards like accidental discharge and freezing plumbing are typically included under broader named perils, which expand beyond basic coverage to include more nuanced risks that can significantly affect property.

Named peril broad coverage offers more extensive protection than basic named peril policies, which may cover only a limited array of risks, like fire, windstorm, and theft. Comprehensive coverage, while it sounds extensive, usually implies a broader scope beyond simply named perils, often including coverage for a wide range of risks and issues that are not explicitly listed. However, it is not specifically focused on the particular hazards mentioned in your question.

Therefore, named peril broad coverage is the type that directly addresses the specific shortages and damages referenced, providing vital protection for these potential issues in a property insurance context.