Which of the following perils is covered under both the basic form and broad form dwelling policies?

The correct answer, internal explosion, is covered under both the basic form and broad form dwelling policies because it is a peril that is universally acknowledged as a significant risk. The basic form dwelling policy includes a limited number of specified perils, one of which is internal explosion. This is primarily because an internal explosion can occur due to various reasons within the property, such as gas buildup in appliances or systems, making it a critical inclusion for all dwelling policy types.

On the other hand, while the broad form policy includes a wider range of perils, it also retains coverage for internal explosion since it is foundational to protecting homeowners from potential catastrophic events. The inclusion of this peril serves to enhance the security of property owners against diverse risks, making it a commonality between both types of policies.

In contrast, the other perils listed have different coverages depending on the specific policy type. For instance, while the weight of ice, snow, or sleet and falling objects may be covered under broad form policies due to their more comprehensive nature, they may not be included in the basic form, which has a narrower scope. Similarly, freezing of plumbing, heating, or air conditioning systems is typically covered under broad form policies but is generally excluded from basic form policies,