Question 76

Falling objects is one peril included in a broad form dwelling policy that is NOT in a basic form dwelling policy.

Broad form dwelling policies offer more extensive coverage than basic form policies, and one significant peril included in broad form policies is falling objects. This peril provides protection against damages caused by items that fall from above, a coverage not found in the basic dwelling form.

A) Explosion.

While explosions are covered under both basic and broad form dwelling policies, they do not represent a peril exclusive to the broad form. Therefore, this option is incorrect as it does not highlight a unique feature of the broad form policy.

B) Falling objects.

Falling objects are specifically covered under broad form dwelling policies, distinguishing them from basic policies. This peril includes damage caused by items such as tree limbs or other objects that may fall and cause damage to the dwelling or its contents.

C) Volcanic eruption.

Volcanic eruptions are covered in both basic and broad form dwelling policies, making this option incorrect. It does not indicate a peril that is unique to the broader coverage.

D) Sinkhole collapse.

Sinkhole collapse is typically not included in standard dwelling policies, whether basic or broad. While it may be covered under some specialized policies, it does not serve as a distinguishing feature of the broad form dwelling policy.

Conclusion

Falling objects are a specific peril that broad form dwelling policies cover, which is not included in basic form policies. The other options either overlap in coverage or do not represent unique features of the broad form policy, thereby reinforcing that falling objects is the correct answer.