Which of the following could be covered on a basic dwelling policy form if purchased?

In a basic dwelling policy, coverage is generally limited and focuses on specific perils that can cause damage to the dwelling itself. The correct answer, which suggests that hail damage to a dwelling's outside antenna could be covered, aligns with the idea that this type of damage falls under the broader peril of windstorm or hail, which is typically included in basic dwelling policy coverage for the structure attached to the home.

Basic dwelling policies usually provide coverage against perils such as fire, lightning, windstorm, and hail, making hail damage to an external structure like an antenna more likely to be covered under such a policy.

In contrast, smoke damage from fireplace use may not be covered under a basic dwelling policy unless the fire caused the damage as a direct result of an insured peril. Damage from broken water pipes would typically require additional coverage, as most basic policies have exclusions pertaining to water damage. Lastly, damage from vandalism to a property that has been vacant for a specific duration, such as 45 days, often has limited or no coverage, as vacant properties carry a greater risk and are usually excluded from standard policies.

Thus, the focus on hail damage to a dwelling's outside antenna aligns with the typical understanding of what is covered under a basic