Which of the following would be covered by a basic form of a dwelling property policy?

A basic form of a dwelling property policy, often known as DP-1 or DP-2, is designed to provide coverage for specific risks related to the structure itself, thereby typically including damages caused by perils such as fire, windstorm, and hail.

Choosing structural damage from a windstorm as the correct answer aligns with the policy's intention to protect the physical structure of a dwelling from external damage. This coverage is crucial for homeowners as it ensures that they have financial support for repairing or replacing their property when impacted by wind-related events.

In contrast, the personal property of a tenant would not be covered under a dwelling policy, as these policies primarily focus on the structure and not on any contents owned by tenants. Likewise, damage caused by a flood is typically excluded under standard dwelling policies, as flood insurance is generally obtained separately due to its unique nature and broader coverage requirements. Temporary housing expenses, though important for situations where property becomes uninhabitable, do not fall under the basic coverage typically provided by a dwelling policy and would generally require additional endorsements or separate policies.

Thus, the choice of structural damage from windstorm fits within the coverage offered by a basic dwelling property policy, illustrating the intended protection for homeowners against certain perils affecting their