Under a basic dwelling policy form (DP-1), which peril is NOT covered?

Under a basic dwelling policy form (DP-1), which peril is NOT covered?

• A. Hail
• B. Fire
• C. Windstorm
• D. Theft

Answer: (A)

DP-1 covers only a limited list of named perils. It includes fire and lightning, and it also adds a set of extended coverage perils such as windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, and smoke. Theft, however, is not included in the basic DP-1 coverage; it isn’t one of the perils automatically covered unless you upgrade to a broader form (like DP-2 or DP-3) or add an endorsement. So, theft is the peril that DP-1 does not cover. If you want theft protection, you’d need the broader form or an endorsement.

DP-1 covers only a limited list of named perils. It includes fire and lightning, and it also adds a set of extended coverage perils such as windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, and smoke. Theft, however, is not included in the basic DP-1 coverage; it isn’t one of the perils automatically covered unless you upgrade to a broader form (like DP-2 or DP-3) or add an endorsement. So, theft is the peril that DP-1 does not cover. If you want theft protection, you’d need the broader form or an endorsement.