Which coverage is NOT provided under the basic dwelling form (DP-1) without endorsement?

The basic dwelling form (DP-1) primarily provides coverage for the dwelling itself and specific perils. One key aspect of this form is that it does not include coverage for additional living expenses (ALE) by default. ALE is typically included in more comprehensive forms or with endorsements to provide compensation for living costs incurred if the home becomes uninhabitable due to a covered loss.

Coverage for personal property is generally part of other dwelling policies or can be included through endorsements, while fair rental value is usually covered under certain perils that affect rental properties. Coverage for vandalism and malicious mischief may be included under the basic form if specifically listed as a peril, making it available in most cases.

Since additional living expenses are not part of the DP-1 coverage unless specifically endorsed, this option clearly identifies a gap in the basic form’s provisions. This distinction highlights the limitations of the DP-1 compared to broader policies that offer enhanced coverage.