What additional perils can be covered under a DP-1 policy for an extra premium?

A DP-1 policy, also known as a Dwelling Property-1 policy, is a type of insurance coverage for landlords or homeowners that specifically covers physical damage to the structure, but it often has a limited range of covered perils. However, for an extra premium, there are additional perils that can be added to the base coverage.

In this case, the option that includes windstorm, hail, and riots represents additional perils typically available for endorsement under a DP-1 policy. Hail and windstorm are common perils that can cause significant damage to a property and are often added to enhance the coverage provided by a basic DP-1 policy. Riots, too, can cause damage due to civil disturbances, and addressing these risks is pertinent for properties located in urban areas or places where such events are likely to occur.

The other options include perils that are typically not available for endorsement under a standard DP-1 policy. Flood and earthquake are more specialized risks generally covered under separate policies or endorsements due to their high potential for damage and typically require different forms of coverage. Burglary and personal property coverage may be considered under homeowners insurance but are generally not included as endorsements in a DP-1 policy. Fire is already a covered