What type of damage does the DP-3 Special form primarily cover that DP-2 does not?

The DP-3 Special form is designed to provide broader coverage than the DP-2 form. One of its key features is the inclusion of coverage for personal liability and damage to neighboring property, which the DP-2 does not explicitly cover at the same level. This means that if your property causes damage to a neighbor's property, the DP-3 form would typically provide coverage for claims arising from that liability, while the DP-2 might not.

In contrast, issues like fire damage, water damage, or theft are often covered by both forms, although the extent of coverage and specifics can vary. The DP-3 offers open perils coverage, meaning it covers risks that are not specifically excluded in the policy, thereby providing more comprehensive protection. Thus, the inclusion of neighbor's property damage under the DP-3 form distinguishes it from the DP-2, which may have limitations in this regard.