Question

Which of the following is NOT automatically covered under the basic form?

A) Fire
B) Lightning
C) Windstorm
D) Earthquake

Answer 1

Earthquake coverage is typically not automatically included in the basic form of a property insurance policy and must be purchased separately.

Step-by-step explanation:

The item that is NOT automatically covered under the basic form of a property insurance policy is D) Earthquake. Basic form properties usually cover common perils such as fire, lightning, and windstorm. However, earthquake coverage is often excluded and must be purchased separately as additional coverage, mainly due to the higher risks and potential for significant damage that can be associated with seismic events.