Question 94

The peril not included in an unendorsed Dwelling Basic Form (DP-1) is theft.

An unendorsed Dwelling Basic Form (DP-1) covers specific perils, and theft is not one of them. This means that while the policy protects against certain risks, theft is not included unless specifically endorsed.

A) lightning

Lightning is one of the perils covered by the unendorsed Dwelling Basic Form (DP-1). This policy provides coverage for damage caused by lightning strikes to the dwelling, making this option incorrect in the context of the question.

B) fire

Fire is also covered under the unendorsed Dwelling Basic Form (DP-1). Since fire is a common peril associated with property damage, it is included in the basic coverage, thus making this option incorrect as well.

C) theft

Theft is not included in the unendorsed Dwelling Basic Form (DP-1). This policy does not cover losses resulting from theft unless an endorsement is added, confirming that this option is correct in the context of the question.

D) internal explosion

Internal explosion is covered by the unendorsed Dwelling Basic Form (DP-1). This peril includes explosions that occur within the dwelling, making this option incorrect in relation to the question.

Conclusion

The correct answer is C) theft, as it is the only peril not included in an unendorsed Dwelling Basic Form (DP-1). All other options—lightning, fire, and internal explosion—are explicitly covered under this policy. Therefore, only theft requires an endorsement for coverage, distinguishing it from the other perils listed.