What coverage must be endorsed on a DP-1/Basic policy to be included?

A DP-1, also known as a Dwelling Policy Basic Form, primarily provides coverage for the dwelling itself and does not automatically include additional living expenses. To be eligible for coverage related to additional living expenses under a DP-1 policy, Coverage E, which pertains to Additional Living Expense, must be specifically endorsed.

This endorsement is essential as it allows the insured to receive compensation for increased living expenses if they are displaced from their dwelling due to a covered loss. Without this endorsement, there would be no financial support for the added costs of living elsewhere while repairs are being made.

The other coverages listed, such as Coverage D and Coverage C dealing with Loss of Use or Additional Living Expenses, are commonly found within other types of property insurance but don't apply specifically to the needs of a DP-1 emerging from a basic coverage standpoint. Coverage F, relating to Medical Payments, typically is concerned with medical expenses resulting from injuries on the premises and does not pertain to living expenses. Thus, the endorsement of Coverage E is fundamental to address the situation of additional living expenses for a DP-1 policyholder.