Which of the following is NOT covered by the DP-1 policy?

The DP-1 policy, also known as the Dwelling Property 1 policy, is a basic form of insurance that provides coverage for specific types of risks associated with property damage. It is important to understand the nuances of what is or isn't covered under this policy.

Water damage, in particular, typically falls under a category that is not covered by the DP-1 policy. The policy emphasizes covering losses due to perils specifically listed in the policy, which usually does not include water damage from sources like flooding or sewer backups unless additional endorsements are purchased. This makes it distinct from other perils that may be explicitly covered under the policy.

In contrast, burning debris is often related to fire, which is a covered peril, while vandalism and extended fire and smoke are also covered by the DP-1 policy as they pertain to specific risks that could affect the property. Understanding the specific coverage limitations of the DP-1 policy is crucial for policyholders to ensure they have adequate protection and to encourage them to consider additional coverage options where necessary.