What type of coverage does the TDP 1 policy not include?

The Texas Department of Insurance describes the TDP 1 policy (Texas Dwelling Policy 1) as a basic coverage form that provides limited protection primarily covering specific perils. The TDP 1 policy includes coverage for basic perils such as fire and lightning, which are foundational elements in most dwelling policies, ensuring property is protected against these common risks.

The policy typically also encompasses vandalism coverage to protect against intentional damage to the property. Water damage coverage can sometimes be included, particularly when related to specific perils like burst pipes, although it may have limitations based on the cause. However, theft coverage is explicitly not part of the TDP 1 policy. Unlike the more comprehensive policies, which might offer broader protections including theft, the TDP 1 was kept simple and limited, focusing on the more catastrophic risks rather than risks such as theft, which may require additional endorsements or a more extensive policy form.

Understanding these distinctions helps clarify the specific coverages available under various dwelling policies, particularly emphasizing the limited nature of the TDP 1 policy and the importance of reviewing policy details to ensure that appropriate coverage is in place based on individual needs.