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What is the difference between DP1 and DP2 insurance?

For instance, DP2 covers burglary, malicious mischief, freezing pipes, and falling objects, while DP1 does not cover these perils. However, both cover fire, lightning, smoke, riots, and damage from wind or hailstorms (see the below diagram for a comparison of both policies). On the other hand, the DP3 policy is an open peril policy.

What is the difference between DP1 and DP3?

Named peril policy: The most prominent difference between a DP1 and a DP3 policy is that a DP1 is a named peril policy, whereas a DP3 is an open peril policy. A DP1 policy explicitly lists which perils are covered while a DP3 will only list a handful of exclusions.

What is the difference between Dp-1 and DP-3 landlord insurance?

The former two are named peril policies, meaning that they pay claims on losses listed in the policy. DP-1 is the most basic landlord insurance policy and the most affordable of the three. DP-3 is an open peril policy and covers all losses except those excluded in the policy. It’s the most comprehensive and expensive of the three options.

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