A basic dwelling policy automatically provides coverage against fire, lightning, and?

The basic dwelling policy is designed to provide essential coverage for property owners and includes specific perils that are automatically covered. In this case, in addition to fire and lightning, the policy also covers internal explosion. Internal explosions can occur from various sources, such as malfunctioning heating systems or appliances where the explosion originates from within the structure itself. This coverage is crucial for protecting property owners against damages resulting from such incidents, which can lead to significant financial losses.

While riot, smoke, and windstorm are relevant hazards, they are typically covered under extended or specific policies rather than the basic dwelling policy. Basic dwelling policies are generally more limited in scope, emphasizing the most common and likely risks to property rather than the broader range of potential issues. Hence, internal explosion is included as a fundamental peril alongside fire and lightning, defining the essential nature of this type of insurance coverage.