Which coverage is included in the TDP 2 policy?

The TDP 2 policy, which stands for Texas Dwelling Policy 2, typically offers broader coverage than the TDP 1, including various types of risks that may affect a dwelling. Under the TDP 2 policy, both vandalism and theft are included as covered perils. This means that if a home is vandalized or if there is theft of property, the policy would provide protection and offer financial compensation to the policyholder.

In contrast, other options might not be covered under the same terms. For example, while accidental water damage is a significant concern, it often requires specific endorsements or additional coverage to be included, meaning it might not automatically be part of the TDP 2 policy. Therefore, the combination of vandalism and theft being covered together is what makes option D the accurate choice in this context. Understanding the specifics of coverage under different policy structures is crucial for homeowners when determining the appropriate level of protection needed for their property.