Which perils are likely covered by the North Carolina Underwriting Association’s Beach Plan?

The North Carolina Underwriting Association's Beach Plan is designed to provide coverage for risks associated with properties located in coastal areas, particularly focusing on the unique challenges they face, such as severe weather events. The plan typically covers perils such as fire, lightning, and wind. These are common natural disasters that can significantly impact property, especially in beach areas prone to hurricanes and storms.

The inclusion of these perils is crucial for homeowners in coastal regions, as they face a higher risk of wind damage from hurricanes and related events. Fire and lightning also remain prevalent risks, regardless of the location, making them essential components of property insurance coverage under the Beach Plan.

In contrast, other choices listed do not align with the primary focus of the Beach Plan. For instance, theft and vandalism, while important for comprehensive coverage, are not the main perils that the Beach Plan addresses. Additionally, flood and earthquake damage are not typically covered under this plan; flood insurance usually requires a separate policy due to the specific nature of flood risks, while earthquake coverage is often an optional add-on. Personal property liability refers to a different aspect of insurance that deals with legal responsibility for injuries or damages, which is not the primary purpose of the Beach Plan.

By acknowledging fire,