Which of the following is a general exclusion for all three DP forms?

The correct answer is water damage, as it is a general exclusion that is consistent across all three Dwelling Property (DP) forms. Each DP form—Basic, Broad, and Special—has specific coverage details, but water damage, particularly from flooding or surface water, is commonly excluded. This means that policyholders cannot rely on their dwelling insurance to cover damages from water that comes from outside sources, which includes floods and rising waters, unless they have a separate flood insurance policy.

Loss due to fire, on the other hand, is specifically covered under all three DP forms, as it is a fundamental risk that homeowners face. Theft of personal property is also generally covered, especially in the Broad and Special forms, as they include personal property protection against theft. Thus, these options would not qualify as general exclusions across the forms. Flood damage is often separated from standard water damage definitions and is explicitly excluded in standard property policies, but it is more specifically noted as a type of water damage rather than a broader category. Therefore, understanding that water damage is the overarching exclusion helps clarify why it is the correct answer.