Which dwelling forms cover vandalism of a garage door?

The correct answer is that vandalism coverage for a garage door is included in the DP 2 and DP 3 dwelling forms, while in the DP 1 form, this coverage is considered optional and requires an additional premium.

The DP 2 and DP 3 forms, designed for broader coverage, encompass vandalism as a covered peril, thereby protecting the insured against intentional damage to the property, such as a garage door. This coverage is essential for homeowners who want reassurance against acts of vandalism without having to pay extra for it.

In contrast, the DP 1 form is more limited and operates on a named-perils basis, which means it only covers specific risks explicitly listed in the policy. Because vandalism isn't included in that limited list, homeowners would need to secure it as an optional coverage which adds to the overall premium of the policy.

Understanding these distinctions in coverage forms is crucial for homeowners and producers when selecting appropriate insurance options that align with their needs.