Dwelling Policy Practice Test

Which coverage is generally NOT included in a basic dwelling policy?

1. Accidental damage

2. Fire damage

3. Vandalism

4. Theft theft

The correct answer is: Accidental damage

In a basic dwelling policy, coverage for accidental damage is generally not included. Basic dwelling policies typically focus on providing coverage for specific perils such as fire, lightning, explosion, windstorm, hail, and a few others. While fire damage is a major component of the coverage, and vandalism is often included as part of the broader list of covered perils, accidental damage is typically excluded unless additional endorsements are added to the policy. Accidental damage insures against unintentional and unforeseen events that cause damage to property, and since basic dwelling policies aim to cover more significant or common risks, they do not typically provide this type of coverage by default. Homeowners looking for this specific protection usually need to opt for comprehensive policies or additional riders that specifically address accidental damage.