Question 45

All dwelling property forms exclude intentional loss.

Intentional loss is specifically excluded from all dwelling property forms, meaning any damages or losses that are deliberately caused by the policyholder are not covered under these insurance policies.

A) loss caused by wind

Loss caused by wind is typically covered under dwelling property forms, as these policies generally provide coverage for damages resulting from natural disasters, including windstorms. Therefore, this option is incorrect.

B) intentional loss

Intentional loss is excluded from coverage in dwelling property forms. This means that if a policyholder deliberately causes damage to their property, any resulting claims will not be honored by the insurer, making this option correct.

C) glass breakage

Glass breakage is usually covered under dwelling property forms, particularly if it occurs due to a covered peril. Therefore, this option does not represent an exclusion and is incorrect.

D) fire

Fire is generally a covered peril under dwelling property forms, and losses due to fire are not excluded. This makes option D incorrect as well.

Conclusion

The correct answer is B) intentional loss, as it is the only option explicitly excluded under dwelling property forms. In contrast, loss caused by wind, glass breakage, and fire are typically covered, underscoring the importance of understanding policy exclusions to ensure adequate insurance protection.