Which of the following coverages is NOT included in the basic form dwelling policy?

The basic form dwelling policy, often referred to as DP-1, provides coverage for specific perils, including fire damage and windstorm damage, both of which are commonly included in standard property insurance policies. The coverage for fire damage protects the dwelling from losses due to fire, while windstorm damage provides compensation for damage to the structure caused by wind events.

However, the breakage of glass is not typically covered under the basic form dwelling policy. This form focuses on essential risks and does not extend to all peripheral or additional damages such as glass breakage. Although some policies might allow for the option to add glass coverage through endorsements, it is not considered part of the core offerings of the basic form dwelling policy.

Theft is also excluded from the basic coverage, but this is not the correct answer since breakage of glass is the option that aligns with the common exclusions within the basic policy framework. Thus, understanding the scope and limitations of the basic dwelling policy is key to recognizing why breakage of glass stands out as a coverage that is not included in this specific policy type.