Question

Which of the following perils are covered by a basic coverage form of a dwelling?

1) fire and smoke
2) fire, smoke and rain
3) fire, lightning and internal explosion
4) all of the above

Answer 1

The basic coverage form of a dwelling usually covers fire, lightning, and internal explosion. The correct option is 3) fire, lightning, and internal explosion. Rain is not covered unless resulting from an already covered peril.

Step-by-step explanation:

The perils covered by a basic coverage form of a dwelling typically include fire, lightning, and internal explosion. Therefore, out of the options provided, the correct answer would be 3) fire, lightning, and internal explosion. Basic coverage forms generally do not cover rain unless it causes damage as a result of a covered peril, like entering through a hole created by fire.