An unendorsed dwelling policy generally excludes coverage for which risk?

The correct answer is that an unendorsed dwelling policy generally excludes coverage for liability risks. This type of policy is designed primarily to provide coverage for property damage to the dwelling itself rather than for personal liability issues that may arise from the ownership or use of the property. Liability coverage is typically addressed in separate liability policies, such as a homeowners insurance policy or a standalone liability policy.

Property-specific risks like internal explosions, windstorms, and vandalism can usually be covered under a standard dwelling policy, though specific coverage for these risks may depend on the details of the policy and any additional endorsements that might be added. In contrast, the inherent nature of dwelling policies is to protect against physical damage rather than the legal responsibilities associated with injuries or damages to others, which highlights why liability coverage is distinctly excluded in an unendorsed dwelling policy.