Which of the following is a reason that would cause a claim to be excluded under basic dwelling form exclusions?

A claim may be excluded under basic dwelling form exclusions if it involves losses due to power interruption away from the insured location. This is because basic dwelling policies typically cover particular types of perils related to the dwelling itself, such as fire, theft, or storm damage occurring on the property. However, losses stemming from an event that occurs outside the insured premises—such as a power interruption—do not fit within the parameters of coverage intended by these policies.

Basic dwelling forms are designed to provide coverage for specific risks, and anything related to interruptions or issues that happen beyond the scope of the dwelling and its immediate environment often fall outside the policy’s protection.

The other situations listed (loss from a sudden storm, loss from a break-in, and loss due to fire damage) generally fall within covered perils in standard dwelling policies. These forms are specifically aimed at providing coverage for physical damage to the structure and its contents resulting from these types of risks, which is the main reason they would be covered rather than excluded.