Which of the following is NOT an exclusion that applies in all three types of Dwelling Policies?

Fire and lightning are typically covered under all three types of Dwelling Policies, which include the basic, broad, and special forms. These peril types are fundamental to property insurance, as fire is one of the most common risks associated with home ownership and is generally included in policy coverage.

In contrast, the other options represent exclusions that do not apply universally across all dwelling policies. Vandalism can be excluded depending on the specific type of policy and whether the property has been vacant for a certain period. Earthquake is commonly excluded in many standard policies and may require a separate endorsement or a different policy altogether. Neglect relates to a property owner's responsibility to maintain their property and can be a ground for exclusion if the owner allows the property to deteriorate.

Understanding which perils are typically covered can help policyholders make informed decisions about additional coverage they may need for certain risks.