Which coverage is NOT automatically included in DP-1?

In a DP-1 policy, which is a type of dwelling policy designed for rental properties or homes that are not owner-occupied, the coverage that is not automatically included is Additional Living Expenses. The DP-1 policy, often referred to as the Basic Form, primarily provides coverage for the dwelling, personal property, and fair rental value, but it does not automatically include coverage for additional living expenses when the insured property becomes uninhabitable due to a covered loss.

This absence of Additional Living Expenses means that if a tenant is displaced from their rental unit due to a covered event, such as a fire or major water damage, the policyholder would not receive assistance with extra costs incurred, such as temporary accommodation. This coverage can usually be added through an endorsement if needed, but it is not part of the base DP-1 policy. Thus, being aware of what is included in the DP-1 policy is crucial for homeowners and property managers to ensure they have the right level of protection for their specific needs.