Property Insurance FundamentalsQuestion 143 of 158
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 listPractice all 158 questions free — no signup required.
Related questions on this topic
- Which statement BEST describes how an open peril (special form) policy treats the burden of proof for a covered loss?
- Under the HO-3 Special Form, how is Coverage C (personal property) typically written?
- Which peril is added by the BROAD FORM but is NOT part of the basic form perils?
- A California homeowner asks whether his standard HO-3 policy covers damage caused by an earthquake. The CORRECT answer is:
- A homeowner's basement is destroyed when a nearby river overflows after several days of rain. The HO-3 policy will:
- Personal property such as jewelry, firearms, silverware, and currency is typically subject to:
Last reviewed: · editorial process
Sen Lin, PrepPass Founder · Verified against California Personal Lines Insurance License Exam · How we review