Question 37

Earth movement is an excluded cause of loss under the general exclusions section of the Dwelling Basic Form Policy.

Earth movement, such as earthquakes or landslides, is specifically listed as an excluded cause of loss in the general exclusions of the Dwelling Basic Form Policy, meaning it is not covered by the policy.

A) Riot

Riot is not an excluded cause of loss under the Dwelling Basic Form Policy. In fact, damage resulting from riots may be covered, as it typically falls under the peril of civil commotion, which is usually included in such policies.

B) Earth movement

Earth movement is explicitly excluded from coverage in the Dwelling Basic Form Policy. This means that any losses resulting from earthquakes, landslides, or similar events are not compensated under this type of policy.

C) Fire

Fire is generally not excluded under the Dwelling Basic Form Policy; rather, it is usually one of the covered perils. Losses due to fire are typically compensated, making this option incorrect in the context of the question.

D) Aircraft

Damage caused by aircraft is not an excluded cause of loss in the Dwelling Basic Form Policy. In fact, incidents involving aircraft are typically covered, which distinguishes this option from the correct answer.

Conclusion

Earth movement is definitively the correct answer as it is explicitly excluded from coverage under the Dwelling Basic Form Policy, meaning policyholders cannot claim for losses incurred due to such events. In contrast, the other options, including riot, fire, and aircraft, represent perils that are generally covered, thus demonstrating why they do not fit the criteria of excluded causes of loss.