South Carolina Personal Lines Practice Exam

Loss or damage to lawns, trees, shrubs, and plants are covered under which perils in DP2?

1. Only Fire and Theft

2. Fire, Lightning, Explosion, Riot/Civil commotion

3. Windstorm, Hail, and VMM

4. Only Explosion and VMM

The correct answer is: Fire, Lightning, Explosion, Riot/Civil commotion

Loss or damage to lawns, trees, shrubs, and plants under a DP2 (Dwelling Policy 2) is covered under specified perils. The relevant perils, as stated in the policy, include fire, lightning, explosion, and riot or civil commotion. These events are significant because they represent both catastrophic and disruptive forces that can lead to damage not just to structures but also to surrounding vegetation. Fire is particularly destructive, capable of consuming large areas, including gardens and landscaping. Lightning can cause sudden and severe fires or even direct damage to plant life. An explosion can devastate an area abruptly, impacting everything in proximity, including lawns and trees. Lastly, the inclusion of riot or civil commotion aligns with the policy's intent to protect residential property from unexpected disturbances caused by civil unrest, which may affect outdoor areas. The other options do not encompass all the perils that include coverage for landscaping. While windstorm and hail as mentioned in a different option do cause damage, they are specifically excluded from coverage for trees and plants under the DP2, making it critical to identify the perils that accurately reflect the coverage afforded by the policy.