Dwelling Policy (DP)Question 260 of 474
On a special form dwelling policy, personal property is insured against:
a.Named perils, and the dwelling is on named perils too
b.Open perils, on the same basis as the dwelling itself
c.Named perils, while the dwelling is open perils
d.Fire and lightning only, unless the form is endorsed
Explanation
The special form splits the policy: the dwelling and other structures are written open perils, while personal property keeps the broad form's named-peril list. The answer giving contents open perils describes a homeowners form built that way, and the answer keeping the dwelling on named perils describes the broad form instead.
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Related questions on this topic
- 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:
- The broad form dwelling policy is best described as covering the building 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:
- Under a dwelling policy, Coverage A pays for damage to:
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