South Carolina Personal Lines Practice Exam

What does the breakage of glass coverage under DP-2 Broad and DP-3 Special policies include?

1. Only the glass itself

2. Damage to other covered property resulting from glass breakage

3. Replacement of glass windows

4. None of the above

The correct answer is: Damage to other covered property resulting from glass breakage

The breakage of glass coverage under DP-2 Broad and DP-3 Special policies encompasses more than just the physical glass itself; it includes damage to other covered property that results from the breakage of glass. This means that if glass breaks and causes additional damage, such as debris damaging walls or furniture, that damage would be covered under these policies. This aspect of coverage is particularly important as it protects the property owner from incurring costs related to secondary damages caused by the initial incident of glass breakage. By including this broader scope of coverage, the policy ensures that homeowners are not left to bear the financial burden of damages that extend beyond the broken glass itself. This makes it a crucial feature of these specific dwelling policies.