Would a DP-1 policy cover an insured's damage to his own fence caused by his own car?

A DP-1 policy, also known as a dwelling property policy, specifically covers risks on a named peril basis. This means that it will only provide coverage for types of damage explicitly listed in the policy. Common perils included in a DP-1 policy might be fire, lightning, and internal explosion, but it typically does not cover damages resulting from the policyholder's own actions or negligence, such as driving a car into a fence.

In the scenario where an insured damages their own fence with their vehicle, the key issue is that the cause of damage—the act of the policyholder's own car colliding with the fence—would not fall under the coverage of the named perils in the DP-1 policy. Therefore, such damage would not be covered, confirming that the correct answer indicates a limitation on coverage based on perils specified in the policy.