A propane tank standing in the yard explodes and cracks the wall of a dwelling. A basic form pays nothing for this, but the loss is covered once the insured adds:
Explanation
The basic form's explosion peril reaches only an explosion occurring inside the described dwelling, while extended coverage substitutes a broader explosion peril that includes a blast originating outside the building. Vandalism, liability, and theft endorsements each add something else entirely and would leave this wall unpaid. Extended coverage also brings windstorm or hail, riot, aircraft, vehicles, smoke, and volcanic eruption.
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