Which dwelling form covers losses due to falling objects, ice, snow, or sleet, and plumbing discharge?

The dwelling forms under the Coverage of the DP (Dwelling Policy) series are designed with varying scopes of protection for different kinds of losses.

The DP 1 Basic Form typically covers very limited perils, primarily focusing on fire and related risks, which means it does not provide coverage for losses due to falling objects, ice, snow, sleet, or plumbing discharge.

The DP 2 Broad Form expands coverage considerably to include perils such as falling objects, ice, snow, or sleet damage, and plumbing discharge, among others.

The DP 3 Special Form offers even broader coverage, as it provides an open perils approach, meaning it covers all risks except those specifically excluded in the policy.

However, the assertion that all three DP forms cover the specified losses is not entirely accurate. While both the DP 2 and DP 3 forms cover those losses, the DP 1 form does not. Thus, to clarify, while the DP 2 and DP 3 forms include coverage for falling objects, ice, snow, sleet, and plumbing discharge, the Basic Form does not, which renders the choice that states all three forms cover these losses incorrect.

Therefore, the appropriate selection would be the DP 2 Broad