What additional coverage is provided by the extended coverages written on the basic form dwelling policy for an additional premium?

Study for the North Carolina Property Insurance Agent Test. Study with flashcards and multiple choice questions, each question has hints and explanations. Get ready for your exam!

The extended coverages on the basic form dwelling policy add important protections for the policyholder at an additional premium. One of the key coverages included is riot coverage. This provides insurance for damages or losses that occur during a riot or civil commotion, which is crucial for safeguarding property against such events that may arise from social unrest.

While other types of coverage, such as earthquake or flood insurance, may require separate policies or endorsements and are not included in the extended coverages for dwelling policies, riot coverage directly enhances the basic coverage provided under the dwelling policy. It acknowledges the risk associated with civil disturbances, making it a necessary option for comprehensive protection of property.

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