住宅保险单(DP)第 293 / 531 题
Which Dwelling policy form provides the broadest coverage by insuring the dwelling on an open-perils basis?
a.A liability-only endorsement
b.The Special form (DP-3)
c.The Basic form (DP-1)
d.The Broad form (DP-2)
解析
The Dwelling Special form (DP-3) is the broadest, insuring the dwelling and other structures on an open-perils (all-risk) basis while covering personal property on a named-perils basis. The Basic form (DP-1) is the narrowest, covering a short list of named perils, and the Broad form (DP-2) adds more named perils but is still not open-perils. Broader coverage generally means higher premium.
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