Which of the following perils is excluded in all dwelling policy forms?

The correct answer is that government-related perils are excluded in all dwelling policy forms. This exclusion is rooted in the idea that coverage for losses due to government actions—such as the seizure or destruction of property—can be too broad or unpredictable to insure. Insurers typically do not cover losses that arise from the lawful acts of governmental authority, which can include zoning ordinances or regulation changes affecting property use.

In contrast, freezing, collapse, and volcanic eruption may have varying coverage stipulations depending on the specific terms of a dwelling policy. For instance, some policies might provide limited coverage for freezing if protective measures were taken to prevent such loss. Similarly, collapse may be covered under certain conditions if the cause meets the policy's guidelines. Volcanic eruption coverage may also be included, albeit possibly with specific limitations or provisions.

This distinction highlights the necessity for homeowners to thoroughly review their policy terms to understand what is included and excluded, particularly regarding perils influenced by government intervention.