Under a Fire and Extended Coverage policy, which item is not included?

Under a Fire and Extended Coverage policy, which item is not included?

• A. Riot
• B. Explosion
• C. Smoke
• D. Earthquake

Answer: (D)

Under a Fire and Extended Coverage policy, the extended protection adds hazards like riot (civil commotion), explosion, and smoke. These perils are included to broaden protection beyond just the flames themselves. Earthquake isn’t part of that extended list unless you add a separate endorsement or obtain earthquake coverage through another policy. So the peril not included by default is Earthquake, and coverage for earthquakes would require an additional endorsement or a different policy.

Under a Fire and Extended Coverage policy, the extended protection adds hazards like riot (civil commotion), explosion, and smoke. These perils are included to broaden protection beyond just the flames themselves. Earthquake isn’t part of that extended list unless you add a separate endorsement or obtain earthquake coverage through another policy. So the peril not included by default is Earthquake, and coverage for earthquakes would require an additional endorsement or a different policy.