Dwelling Policy (DP)Pregunta 277 de 474
Why is theft of the insured's property not paid under an unendorsed dwelling policy?
a.Theft is covered but capped at a small dollar sublimit
b.Theft is not one of the perils the form insures against
c.Theft losses are paid only after a police report is filed
d.Theft applies only while the dwelling is owner occupied
Explicación
No dwelling form, basic, broad, or special, carries theft as an insured peril, which is one of the sharpest differences from a homeowners policy. A theft coverage endorsement adds it. The sublimit answer imports the homeowners treatment of jewelry and firearms, where theft is covered but capped, into a form that does not insure theft at all.
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