Which of the following is included in basic automatic perils?

Prepare for the Kentucky Property and Casualty License Test. Utilize flashcards and multiple-choice questions, each with hints and explanations. Get ready for success!

Basic automatic perils refer to a standard list of risks that are typically covered by property insurance policies without the need for additional endorsements. Internal explosion is included in this category because it encompasses damage that occurs within a building due to the sudden explosion of equipment such as heating systems, cooking appliances, or other machinery.

This peril is considered a fundamental risk that insurance policies are designed to cover, as it frequently poses a threat to personal property and structures within buildings. On the other hand, the other options listed do not fall under this same basic coverage; hail is typically categorized under various weather-related perils, vandalism is considered a more specific risk that may require additional coverage, and earth movement usually requires a separate endorsement due to its unique nature and potentially high risk. Understanding the scope of basic automatic perils helps ensure adequate coverage for common risks associated with property ownership.

Subscribe

Get the latest from Examzify

You can unsubscribe at any time. Read our privacy policy