Which coverage is NOT included in the basic form dwelling policy?

The basic form dwelling policy, often referred to as an HO-1 or DP-1 policy, provides coverage for specific types of risks. It is important to understand that this policy includes only a limited range of protections, which is why certain coverages are excluded.

Among the options listed, the breakage of glass is not included in the basic form dwelling policy coverage. This type of policy typically covers perils like fire, lightning, and windstorm, but it does not extend to certain property damages, such as glass breakage, unless specified under additional endorsements. This limitation reflects the minimalistic nature of the basic policy, which aims to provide the most essential coverage at a lower cost.

In contrast, personal property temporarily away from the insured premises, tenant's improvements, alterations, and additions, as well as removal coverage, are typically included in most basic dwelling policies to some extent. These coverages ensure that certain personal belongings or modifications made by tenants are still protected, even when not on the main property, and that there are measures in place to safeguard property when necessary to prevent further loss. Understanding these differences can help in selecting the appropriate policy to meet specific insurance needs.