Which of the following is covered under "Extended Coverage" in a DP-1 policy?

Which of the following is covered under "Extended Coverage" in a DP-1 policy?

• A. Damage by aircraft
• B. Vandalism and malicious mischief
• C. Damage from flooding
• D. Fire damage caused by lightning

Answer: (A)

In a DP-1 policy, which is a basic form of Dwelling Property insurance, extended coverage adds additional perils that are not included in the standard fire coverage. One of the perils covered under "Extended Coverage" is damage caused by aircraft. This means that if an aircraft makes contact with the insured dwelling and causes damage, it would be covered under the DP-1 policy with extended coverage. Though vandalism and malicious mischief are significant concerns, they are not included in the extended coverage of a DP-1 policy; this peril is typically added in a more comprehensive policy or requires endorsement for specific coverage. Damage from flooding is generally not covered under a DP-1 policy, as flood damage is typically addressed by separate flood insurance policies. Fire damage caused by lightning is often covered as a basic peril under the standard policy and does not fall under the extended coverage category specifically. Thus, damage by aircraft is the correct choice for coverage under extended provisions in a DP-1 policy.

In a DP-1 policy, which is a basic form of Dwelling Property insurance, extended coverage adds additional perils that are not included in the standard fire coverage. One of the perils covered under "Extended Coverage" is damage caused by aircraft. This means that if an aircraft makes contact with the insured dwelling and causes damage, it would be covered under the DP-1 policy with extended coverage.

Though vandalism and malicious mischief are significant concerns, they are not included in the extended coverage of a DP-1 policy; this peril is typically added in a more comprehensive policy or requires endorsement for specific coverage. Damage from flooding is generally not covered under a DP-1 policy, as flood damage is typically addressed by separate flood insurance policies. Fire damage caused by lightning is often covered as a basic peril under the standard policy and does not fall under the extended coverage category specifically. Thus, damage by aircraft is the correct choice for coverage under extended provisions in a DP-1 policy.