Final answer:
A basic dwelling policy automatically includes coverage against fire, lightning, and internal explosion. Other risks like smoke, riot, or windstorm may be covered by additional riders of the policy.
Step-by-step explanation:
The basic coverage provided by a dwelling policy typically includes protection against fire, lightning, and internal explosion. Choices such as smoke, riot, or windstorm are usually not included in the basic form but may be available as additional coverage that can be included for an extra premium.
Insurance plans such as health insurance, car insurance, renter's insurance, and life insurance each payout for specific scenarios such as medical expenses incurred, car accidents, theft, or damage to possessions, and the death of the policyholder.
A basic dwelling policy automatically provides coverage against fire, lightning, and smoke. It may also include coverage for additional perils such as riot, windstorm, and internal explosion, depending on the specific policy. However, it is important to review the policy documents to know the exact coverage provided by each policy.