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Additional extended coverage is a condition used in property insurance business. It is an added provision in an insurance policy to extend the scope of coverage by including further risks to dwellings. Additional extended coverage are given for water damage from the plumbing or heating systems, vandalism or malicious mischief, glass breakage, falling trees, damage from ice or snow storms, or additional risks not otherwise covered by the liability policy. Usually, the insurer had no fiduciary duty to advise it’s insured of the availability of additional extended coverage.