Property Insurance FundamentalsQuestion 143 of 474
All of the following are classic 'basic form' perils EXCEPT:
a.Windstorm and hail
b.Smoke
c.Fire and lightning
d.Earthquake
Explanation
The basic peril list (FELLW + extended) includes fire, explosion, lightning, wind/hail, smoke, vehicles, aircraft, vandalism, riot, sinkhole collapse, and volcanic action. EARTHQUAKE is excluded under all standard homeowners and dwelling forms; California requires insurers to OFFER earthquake coverage separately (CEA or stand-alone) under §10081/§10089.
Law Reference: ISO DP-1 / HO basic peril listThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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