South Carolina Personal Lines Practice Exam

All of the following are other coverages included in broad and special for DP policies EXCEPT:

1. Theft of personal property

2. Breakage of glass

3. Collapse

4. Lawns, trees, shrubs, and plants

The correct answer is: Theft of personal property

In the context of DP (Dwelling Property) policies, particularly those classified as broad and special, understanding the coverage offerings is essential. Broad and special policies expand on basic coverage options, providing more comprehensive protection for various types of risks. The correct answer is that theft of personal property is not covered under broad and special DP policies. While broad and special forms do provide extended coverage for risks such as breakage of glass, collapse, and damage to lawns, trees, shrubs, and plants, theft is typically covered under different types of personal property insurance rather than under the dwelling policy itself. This means that for theft to be covered, a policyholder would likely need to purchase an additional endorsement or opt for a different insurance type that specifically includes personal property coverage for theft. In contrast, the other listed options involve risks typically included in the broader coverage offered by the DP policies. For instance, breakage of glass is covered because it is considered a common risk, and collapse coverage is included as it addresses structural integrity issues. Similarly, coverage for lawns, trees, shrubs, and plants helps protect homeowners against losses to their landscaping, which could be a significant investment. Thus, the exclusion of theft from coverage emphasizes the limited scope of personal property protection specific to DP