South Carolina Personal Lines Practice Exam

Which of the following is an additional coverage found only in DP-2 and DP-3 policies?

1. Fire department service charge

2. Lawn, trees, shrubs, and plants

3. Worldwide coverage for personal property

4. Reasonable repairs

The correct answer is: Lawn, trees, shrubs, and plants

Lawn, trees, shrubs, and plants is indeed an additional coverage specifically included in DP-2 and DP-3 policies, which are also known as the Broad Form and Special Form dwellings respectively. This coverage addresses the loss or damage to outdoor property such as landscaping due to various perils. It typically provides a specified limit for claims associated with these items, allowing homeowners to recover some of the value lost due to covered events, such as storms or fire. The other options, while they may be found in various forms of homeowners or dwelling policies, do not have the same specificity to only DP-2 and DP-3. For instance, fire department service charges are commonly included in various types of property insurance policies. Worldwide coverage for personal property generally applies to homeowners coverage and is not limited to these dwelling policies. Reasonable repairs, which cover the cost associated with necessary repairs to protect property from further damage, is also commonplace and can appear in a variety of different policy forms beyond just DP-2 and DP-3. Therefore, the unique inclusion of coverage for lawn, trees, shrubs, and plants highlights the additional benefits specifically tailored to the coverage provided in these two policies.