Which payroll is NOT included in an unendorsed dwelling basic form (DP-1)?

In the context of the dwelling basic form (DP-1), which is a named perils policy, the correct choice is internal explosion, as it is not typically included in the coverage provided by this specific form. The DP-1 is generally designed to offer minimal coverage, protecting policyholders from specific perils explicitly mentioned within the policy.

Fire, lightning, and windstorm are all perils that the DP-1 covers, making them part of the standard protections offered to the insured. Internal explosion, while it may seem like a logical hazard to be covered, is not one of the perils listed in the DP-1 coverage. This distinction is important for understanding how insurance products specify and limit the types of risks they cover, emphasizing the need for property owners to be aware of the specific protections provided by their policies when assessing their coverage needs.