A basic dwelling policy automatically provides coverage against fire, lightning, and which other peril?

A basic dwelling policy, referred to as Form DP-1, provides coverage for specific named perils, and one of those perils included in the standard policies is internal explosion. This coverage extends to incidents where mechanical failures or accidents occur within the dwelling, resulting in an explosion. Since internal explosions can happen from various sources like gas leaks or malfunctioning appliances, offering protection against this is critical for homeowners.

The other options listed do not fall under the automatic coverage of a basic dwelling policy. Vandalism is typically covered under more comprehensive forms, while earthquake and flood require separate endorsements or policies entirely due to their unique risks and the potential for significant losses. Thus, internal explosion is correctly identified as an additional peril automatically covered by a basic dwelling policy alongside fire and lightning.