West Virginia Property and Casualty Licensing Practice Exam

Which peril is specifically NOT covered under the DP1 Basic Form?

1. Lightening

2. Fire

3. Vandalism

4. Civil commotion

The correct answer is: Vandalism

The correct answer, vandalism, is specifically not covered under the DP1 Basic Form because this form primarily provides coverage for a limited set of perils. The DP1 Basic Form, commonly known as the Dwelling Policy, typically covers only specific named perils, which include fire, lightning, and internal explosion. While civil commotion may be implied within broader coverage in other forms or may be an included peril in certain instances, vandalism is not part of the basic coverage. This means a property owner would need to seek additional coverage or choose a broader policy, such as the DP2 or DP3 forms, to protect against vandalism. Understanding the limitations of the DP1 Basic Form helps property owners assess their insurance needs accurately and determine whether they require additional protection for perils not included in the basic coverage.