Louisiana Personal Lines Producer Series 107 Practice Test

In the context of a dwelling policy, fire is not excluded from coverage. Dwelling policies are designed to provide insurance protection for the physical structure of a home, and fire is a common peril that is typically covered under these policies. This means that if a dwelling suffers damage due to a fire, the policy will likely provide financial compensation for the repairs or rebuilding necessary to restore the home.

On the other hand, theft, internal explosion, and water damage may come with specific exclusions or limitations under a dwelling policy, depending on the policy terms and conditions. Therefore, since fire is generally included as a covered peril, stating that it is not excluded aligns with the standard provisions of dwelling policies.