Which of the following may be covered under a DP-3?

A DP-3 policy, also known as a special form dwelling policy, typically provides broad coverage for various risks associated with homes. This policy is designed to offer coverage for the risks of direct physical loss to the dwelling itself and personal property within it unless specifically excluded.

Power failure on the premises may be covered under a DP-3 policy if it results in direct physical loss or damage to covered property. For example, if a power failure causes a refrigeration system to fail and food spoilage occurs, this could lead to a claim under the policy, depending on the circumstances and the extent of the damage.

In contrast, the other options presented involve types of risks that are generally excluded from coverage or subject to specific types of policies that are not included within a standard DP-3 form. Earthquakes, for example, typically require separate coverage or endorsements, as they are commonly excluded from standard dwelling policies. Similarly, water backup from sewers and flooding are also types of risks that are usually not covered under a DP-3 policy without additional endorsements or separate flood policies, as they involve specific conditions that the DP-3 form does not typically address.

Through this framework, it becomes clear why power failure on the premises aligns with the potential coverage provided under