What are the three dwelling forms available in Texas?

The correct choice identifies the three dwelling forms available in Texas as TDP 1, TDP 2, and TDP 3. These forms are specific classifications of homeowners’ insurance policies that correspond to the different levels of coverage available for residential properties.

TDP 1 is known as the Basic Form and offers covenants for fire and other specified perils. TDP 2, or the Broad Form, provides a wider range of coverage that includes protections against the risks covered by TDP 1 as well as additional coverage for other causes of loss. TDP 3 is referred to as the Special Form, which typically offers the most comprehensive coverage, protecting against all risks except for those that are specifically excluded in the policy.

This setup is structured to meet various needs and levels of risk for homeowners while providing flexibility in choice and coverage options. By using these designations, Texas insurance consumers can select a policy that aligns best with their property characteristics and insurance needs.

The other options do not accurately reflect the naming convention or classifications for dwelling forms recognized in Texas insurance policies. They either misinterpret the categories of coverage or propose terms that are not officially used within the context of Texas homeowners’ insurance.