Which of the following coverages is not included in the basic dwelling policy?
Asked by: Mrs. Herta Buckridge V | Last update: August 9, 2025Score: 4.5/5 (33 votes)
What is not included in the basic form dwelling policy?
Final answer: Personal property coverage is not included in the basic form dwelling policy.
Which of the following is not covered by a dwelling policy?
Note: Dwelling coverage on standard policies typically won't protect against damage caused by floods, earthquakes, sewer backups, or lack of maintenance. Learn how flood insurance works and what to do if your home is damaged in an earthquake.
What do covered items in a dwelling policy not include?
- Flood.
- Earthquake.
- Earth movement.
- Termites.
- Insects, rats or mice.
- Water damage cause by seepage or leaks.
- Losses to house vacant for 60 days or more.
- Mold.
Which of the following other coverages is not included in the basic form?
The basic form dwelling policy typically covers structural damage to the dwelling, personal property, and additional living expenses, among other things. However, glass breakage is considered a separate coverage option and is not automatically included in the basic form policy.
Insurance Exam: Dwelling Policy Explained
Which of the following is not covered under a basic homeowners insurance policy?
Earthquakes, Floods, Sinkholes and Landslides
Every home is at risk of burglary or fire, but not every region is likely to experience earthquakes, floods, sinkholes or landslides. These risks are typically limited to certain parts of the country, so they aren't covered by standard home insurance.
What is covered by dwelling policy?
Dwelling Coverage is the part of a standard homeowners insurance policy that helps protect the physical structure of your home. This can include any permanent fixtures attached to your home like a garage. Your coverage limit is usually based on the estimated cost to rebuild the home in the event of a covered loss.
What is excluded in all dwelling policy forms?
The dwelling forms do not provide coverage for liability, theft, or medical payments. However, such coverages are available through a personal liability supplement endorsement and a theft endorsement.
Which item would not be covered under building coverage in a building?
Building coverage may insure items that are permanently attached to the building itself, while personal property coverage includes property that is not part of the building. Building and personal property coverage exclude land, water, plants, roadways, crops, shrubs, money, accounts, instruments, or trees.
Which of the following losses would not be covered by a homeowners policy?
Homeowners insurance also protects you against liability for accidents that injure other people or damage their property. The policy covers medical expenses for persons accidentally injured on your property. Most policies do not protect you against losses from floods, earthquakes, mudslides, mudflows or landslides.
What is not considered a dwelling?
Non-dwelling structure means a garage, shed, or other similar storage or convenience building attached to or detached from a dwelling and used primarily for recreation and the storage of vehicles, lawn and garden appliances, and other household tools or equipment.
What does a basic dwelling policy automatically include coverage for quizlet?
The Basic Dwelling policy automatically covers only fire, lightning and internal explosion. Hail and smoke are among the perils that may be added by an extended coverage endorsement (ECE). Theft is not covered under a DP-1 Basic Dwelling policy at all.
Which homeowners forms do not provide any dwelling coverage?
The HO-4—Contents Broad Form (HO 00 04), or HO-4, provides coverage for a tenant's personal property on a named perils basis. The HO-4 does not provide coverage for dwellings or other structures.
Which would not typically be covered in a dwelling policy?
It also does not cover damage as a result of earthquakes or sewer backups. While most parts of your home will be covered under a dwelling insurance policy, a detached garage, shed, above-ground pool, and fences usually won't be.
What does basic form not cover?
One of the primary disadvantages of basic form insurance is that it does not cover all possible causes of property damage or loss. For example, you may not be covered if your business suffers damage due to water or theft if those perils are not explicitly named in your policy.
What does a dwelling consist of?
A dwelling is a home — where someone lives. Houses, apartments, and condos are all dwellings. If you know that to dwell means to live somewhere, then the meaning of dwelling won't be a surprise: it's an abode, domicile, or home. Your dwelling might be a house or an apartment.
Which of the following would not be covered by the basic causes of loss form under a commercial property policy?
Final answer: The basic Causes of Loss form under a commercial property policy typically covers fire damage, theft, and vandalism, but not flood damage.
What is not usually covered by building insurance?
Highly valued items, such as jewelry, fine art, and collectibles, are often excluded from a typical policy for replacement costs. In addition, damage from certain weather events, like floods or earthquakes, usually requires you to purchase additional home insurance. Be sure to check your liability coverage.
What parts of a building are not included in the floor area?
It is measured from the exterior faces of exterior walls or from the centerline of walls separating buildings, but excluding covered walkways, open roofed-over areas, porches and similar spaces, pipe trenches, exterior terraces or steps, chimneys, roof overhangs, and similar features." I hope this helps.
What is included in the basic form dwelling policy?
The basic form covers only damage from fire, lightning, and internal explosion, but additional perils can be covered by endorsement. The broad form covers direct damage to dwellings and personal property on a broad named perils basis.
What is excluded from coverage?
An exclusion is a provision within an insurance policy that eliminates coverage for certain acts, property, types of damage or locations. Things that are excluded are not covered by the plan, and excluded costs don't count towards the plan's total out-of-pocket maximum.
What is not automatically included in a dwelling policy?
The Basic Dwelling policy automatically covers only fire, lightning and internal explosion. Hail and smoke are among the perils that may be added by an extended coverage endorsement (ECE). Theft is not covered under a DP-1 Basic Dwelling policy at all.
Which of the following perils is excluded in all dwelling policy forms?
Final answer: The peril excluded in all dwelling policy forms is Government action. This is standard in insurance as it covers unforeseeable damages, not losses from law enforcement or government policies.So,option C.
What is Coverage C on a dwelling policy?
Personal property coverage, which is Coverage C within home insurance policies, helps to pay for your personal items that have been damaged, destroyed or stolen due to a covered peril. It's standard protection within many home insurance policies and is pivotal to cover those personal items that mean the most to you.
What is a covered dwelling?
Covered dwelling means a dwelling that is occupied by a tenant pursuant to a residential lease or without a lease or with a lease terminable under State law, and is on or in a covered property.