Which of the following is not covered by a DP-2 (Broad Form Policy)?

The DP-2 (Broad Form Policy) is a type of dwelling insurance designed to provide coverage for specific perils. This policy offers coverage for several risks typically associated with property damage, such as fire, vandalism, and windstorm damage.

The key coverage of the DP-2 includes perils such as the loss from fire, lightning, explosion, and vandalism, as well as damage caused by windstorms. These events are fundamental to the protection that a homeowner seeks, ensuring that physical damage resulting from these occurrences is addressed.

On the other hand, theft of personal property is not covered under a standard DP-2 policy. While the dwelling itself may be protected against various forms of damage, the policy does not extend to personal items stolen from the home, unless additional endorsements are purchased to provide that coverage. This distinction is crucial for homeowners to understand when evaluating their insurance needs and potential gaps in coverage related to personal belongings.