New Hampshire Insurance Licensing Practice Exam 2025 – The Complete All-in-One Guide to Passing with Confidence!

Question: 1 / 400

Which coverage is included in the DP-2 Broad Form that is not part of the DP-1 Basic Form?

Collapse

The DP-2 Broad Form offers more extensive coverage compared to the DP-1 Basic Form, and one of the key differences is the inclusion of the "collapse" coverage. This provision addresses damage that results from the collapse of a dwelling or other structures, which can occur due to a variety of reasons such as weather conditions, rot, or the weight of snow or ice.

In contrast, the DP-1 Basic Form covers perils like fire damage, windstorm, and vehicle damage, but does not extend its protection to issues that might lead to the collapse of a structure. This makes the DP-2 a more comprehensive option for homeowners who want to protect against a broader range of risks associated with property damage, particularly those that could compromise the integrity of their homes. Thus, the coverage of collapse in the DP-2 provides an additional layer of security that is absent in the DP-1.

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Fire damage

Windstorm

Vehicle damage

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