Idaho Property and Casualty Practice Exam

The Extended Coverage Endorsement to the DP-1 policy extends coverage to additional perils that are not included in the standard policy. Among the perils generally covered by the Extended Coverage Endorsement are windstorm, volcanic eruption, and the weight of ice, snow, or sleet.

While the weight of ice, snow, or sleet is a covered peril under this endorsement, vehicles are not covered. This is due to the fact that vehicles are typically excluded from standard property insurance policies, which focus on immovable structures like homes or buildings. In this case, the inclusion of vehicles as an option highlights a specific exclusion that is not covered by the endorsement, making it the correct answer for what is not a covered peril.

Understanding which perils are included in this endorsement is crucial for property owners to ensure they have adequate coverage for potential damages. This emphasizes the importance of reviewing policy specifics to know what is protected under various endorsements and exclusions.