Final answer:
Dwelling and loss of use (Option B) are covered under a DP-3 policy, as it provides comprehensive coverage for the dwelling, other structures, and loss of use. Personal liability and personal injury protection are not typically included in a DP-3 policy.
Step-by-step explanation:
When discussing what may be covered under a DP-3 policy, also known as the 'Dwelling Policy 3', it's important to understand that it is a type of insurance that primarily focuses on the dwelling and providing robust coverage.
Option B, 'Dwelling and loss of use', would be covered as the DP-3 is the most comprehensive in the dwelling policy series and includes coverage for the dwelling itself, other structures on the property, loss of use, as well as personal property. However, it is distinct from personal liability or personal injury protection, which usually come under separate forms of insurance policies.
The DP-3 policy is also known as an open peril policy for the dwelling, meaning it covers all perils unless they are specifically excluded within the policy. The personal property coverage under a DP-3 policy is typically for named perils only, meaning only those perils listed in the policy are covered. Loss of use coverage helps pay for additional living expenses if the home is uninhabitable due to a covered loss.