Dwelling Policy (DP)Question 259 of 474
The broad form dwelling policy is best described as covering the building against:
a.A longer list of named perils than the basic form
b.Named perils on the dwelling, open perils on contents
c.Open perils on the dwelling and its contents alike
d.The same perils as the basic form at a lower cost
Explanation
The broad form stays a named-peril contract but stretches the list, picking up items such as damage by burglars, falling objects, weight of ice and snow, accidental discharge of water, and freezing. Open perils on the dwelling is the special form's feature, and no dwelling form insures contents on an open-perils basis.
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Related questions on this topic
- A windstorm tears shingles off a dwelling insured on an unendorsed basic form. The loss is:
- On a basic dwelling form, vandalism or malicious mischief coverage is:
- A dwelling insured with vandalism coverage has stood vacant well past the period the policy allows when vandals damage it. The loss is:
- On a special form dwelling policy, personal property is insured against:
- Why would a producer recommend a special form dwelling policy over a basic form?
- After an unexplained loss to a dwelling written on an open-perils form, the burden of proof:
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