Property coverage under a dwelling policy is excluded for all causes of loss EXCEPT which one?

Property coverage under a dwelling policy generally excludes losses caused by certain natural disasters and events. However, fire damage is a significant peril that is typically covered under dwelling policies. Fire damage is one of the leading causes of loss that insurance policies aim to protect against, making it a core element of property coverage.

The internal explosion is also a recognized risk that policies cover, as it could result from various household appliances or situations within the property. This means that among the options given, internal explosion stands out in the context of being an accepted cause of loss covered under typical dwelling policies.

In contrast, losses due to windstorm damage, earthquake damage, and other specified risks may be excluded or require additional coverage to be added. Thus, internal explosion is the exception that falls under covered perils in a dwelling policy, which allows property owners to feel secure about certain domestic accidents or failures.