Dwelling Policy (DP)Question 278 of 474
Burglars force a door on a dwelling insured on an unendorsed broad form and carry off a television. The policy pays for:
a.Neither loss, because burglars are excluded entirely
b.The damage done to the door, but not the television
c.The television, but not the damage done to the door
d.Both the broken door and the stolen television set
Explanation
The broad form lists damage caused by burglars as an insured peril, so the shattered door is a building loss, but the stolen property itself is theft, which the form does not insure without an endorsement. The answer paying both treats the burglary peril as if it were theft coverage, and damage by burglars is plainly not excluded.
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