What typically limits coverage under a Special Form policy?

The correct answer addresses how a Special Form policy—or an "all-risk" policy—generally offers broad coverage but does come with certain limitations. Maintenance issues refer to the requirement that property must be well-maintained to qualify for coverage under such a policy. If damage occurs because the property has not been properly maintained, the insurer may deny a claim based on the grounds that the loss was not due to a covered peril, but rather due to neglect or lack of upkeep.

This concept stems from the understanding that insurance policies often require an element of reasonable foresight in maintaining property; persistent neglect can lead to deterioration that isn't considered an insurable risk. Therefore, under a Special Form policy, damages resulting from maintenance issues would typically not be covered, emphasizing the importance of property upkeep as a condition for coverage.

The other options revolve around different aspects of insurance policies, but they do not specifically address the inherent limitations placed on coverage within the context of a Special Form policy in relation to maintenance.