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

A basic dwelling policy is designed to provide coverage for specific perils associated with property damage. Among the primary perils covered, fire and lightning are included as essential risks. Additionally, internal explosion is typically recognized as a peril under a basic dwelling policy. This coverage is crucial because it protects homeowners from the potentially devastating financial impact of explosions that occur within the dwelling, often due to issues with heating systems, appliances, or other internal sources of ignition.

The other listed options, such as riot, smoke, and windstorm, typically fall outside the coverage offered by a basic dwelling policy. While these perils might be covered under more comprehensive policies or as endorsements, they do not automatically apply to a basic dwelling policy. Understanding the scope of coverage provided by different types of insurance is vital for homeowners to ensure they are adequately protected against those risks they might face.