Which additional perils are covered in the Broad Form (DP-2) policy compared to Basic Form (DP-1)?

The Broad Form (DP-2) policy offers additional peril coverage compared to the Basic Form (DP-1), specifically targeting perils that can cause significant property damage. Among the additional perils included in the DP-2 policy are burglary and freezing, which are not covered under the DP-1 policy.

Burglary coverage protects the insured from losses due to theft following a forced entry, addressing concerns over property crimes. Freezing coverage protects against damage caused by the freezing of plumbing, heating, and air conditioning systems, which can lead to significant issues in colder climates. These specific enhancements are vital in providing broader protection for homeowners.

The other options mentioned either overlap with basic coverages or refer to perils not included in the context of the differences between these two policy forms. For example, fire and lightning are covered under both forms, and while weight of ice and volcanic eruption are indeed perils covered under DP-2, they are not typically the most common concerns like burglary and freezing.