Personal liability coverage in a dwelling fire policy can only be provided by what means?

Personal liability coverage in a dwelling fire policy is not typically included automatically or as a standard feature. Instead, it is available only through endorsement. This means that in order to add personal liability coverage to a dwelling fire policy, the policyholder must specifically request this addition and pay any necessary premium adjustment.

The three dwelling forms—DP-1, DP-2, and DP-3—generally provide coverage for the physical structures and personal property but do not encompass personal liability unless an endorsement is added.

By offering personal liability coverage as an endorsement, insurers allow policyholders the flexibility to customize their coverage based on individual needs. This approach also helps to keep the base policy cost lower for those who may not require liability coverage.