South Carolina Personal Lines Practice Exam

What additional coverage is available in DP2 and DP3 that is not included in DP1?

1. Breakage of glass

2. Personal property coverage

3. Replacement cost coverage

4. All of the above

The correct answer is: Breakage of glass

In the context of the DP (Dwelling Property) insurance forms, the key difference between DP1 (Basic Form), DP2 (Broad Form), and DP3 (Special Form) lies in the extent of coverage provided for various types of losses. DP1 offers basic coverage primarily for specific named perils, while DP2 and DP3 extend coverage significantly. Among the enhancements included in DP2 and DP3 that are not found in DP1 is the coverage for breakage of glass. This coverage protects homeowners in the event of accidental glass breakage, which is not covered under the basic DP1 policy. The other options — personal property coverage and replacement cost coverage — are indeed part of the enhancements in DP2 and DP3, but the question specifically asks about the additional coverage that is not included in DP1. Breakage of glass is a distinct feature of the broader coverage available in the later forms, making it the correct answer in this context. Therefore, the focus is on the unique aspect of glass breakage coverage that sets DP2 and DP3 apart from the basic DP1 policy.