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 include additional perils beyond those covered by basic form policies, and one such peril is falling objects. This peril provides coverage for damage caused by objects falling from above, which is not included in the basic policy.

A) Explosion.

Explosion is a peril covered under both basic and broad form dwelling policies. Therefore, it does not represent an additional peril found in the broad form policy, making this option incorrect.

B) Falling objects.

Falling objects is indeed a peril that is specifically included in a broad form dwelling policy but not in a basic form dwelling policy. This coverage addresses risks associated with damage from items that may fall onto the insured property, highlighting the expanded protection offered by the broad form.

C) Volcanic eruption.

Volcanic eruption is typically covered under both basic and broad form dwelling policies. Since it does not distinguish the broad form policy from the basic one, this option is incorrect.

D) Sinkhole collapse.

Sinkhole collapse is generally not included in either basic or broad form dwelling policies unless specifically added through endorsements. Thus, it does not serve as an additional peril in the context of the comparison between these two policy types, rendering this option incorrect.

Conclusion

Falling objects is the only peril that distinguishes the broad form dwelling policy from the basic form policy, emphasizing the broader coverage provided. All other options either overlap in coverage or do not provide the specific distinction needed to answer the question correctly. Therefore, falling objects is definitive in highlighting the expanded protection afforded by the broad form policy.