Which peril is covered under the DP-1 Basic Form?

The DP-1 Basic Form, which is a type of dwelling policy, offers coverage for specific perils as outlined in its terms. Among these, internal explosion is one of the perils covered. This coverage specifically pertains to explosions that occur within the confines of the dwelling itself, such as those caused by gas or heating appliances.

In contrast, other options listed are not covered under the DP-1 Basic Form. Flood damage typically requires a separate flood insurance policy, as it is usually excluded from most basic dwelling policies. Vehicle collision is also not included under DP-1, as damage from vehicles would typically fall under automobile insurance. Regarding smoke damage from a fireplace, while this is possible in some contexts, the DP-1 does not cover smoke unless it results from a fire that spread beyond the control of the insured.

Thus, internal explosion stands out as clearly listed in the coverage scope of the DP-1 Basic Form, making it the correct choice in this scenario.