Which of the following is NOT one of the Extended Coverage Perils under DP-1?

In the context of the Extended Coverage Perils under the dwelling policy form DP-1, it's important to understand what these perils include. The Extended Coverage endorsements typically add protection against certain risks that are not covered by the basic policy.

The correct answer, indicating that earth movement is not one of the Extended Coverage Perils, is accurate because the DP-1 policy specifically excludes earth movement, such as earthquakes or landslides, from its coverage. The perils typically included in Extended Coverage are smoke, windstorm, riot, and civil commotion. These events are more common and manageable risks for property insurance, and thus, they are included to provide a broader safety net for the insured.

By recognizing that earth movement is generally categorized as a separate risk, which may require additional coverage via specialized policies or endorsements, you can better understand the limitations of the DP-1 policy and the nature of what it covers under Extended Coverage.