Which of the following is NOT a major difference between the broad form and the special form?

The correct choice highlights a key distinction between the broad form and the special form when it comes to coinsurance requirements. The broad form actually does not impose the same 80% coinsurance clause that the special form does. This means that homeowners under the broad form may have coverage without needing to meet this specific percentage of insured value, which is significant since it can influence the premium cost and the insured party's loss recovery.

Understanding the context of the other options further clarifies why this is the correct distinction. The broad form typically covers specific causes of loss, while the special form provides broader coverage which includes theft of property as part of the dwelling. Thus, the inclusion of theft specifically in the special form is a vital contrast to consider.

Furthermore, the mention of exclusion for antennas or outdoor equipment points to the more inclusive coverage offered by the special form, which is another significant difference. Lastly, the idea of coverage for accidental discharge occurring off the insured premises differentiates the special form by expanding coverage scenarios not typically included in the broad form. All these factors illustrate why the coinsurance requirement stands out as a key differentiator between the two forms.