Which other coverage is NOT included in both the broad and special form dwelling policy?

The coverage for theft of personal property is not included in both the broad and special form dwelling policies because these policies primarily focus on covering the dwelling itself and any attached structures. They offer specific perils coverage, and while personal property can be included, it is often under separate personal property coverage or endorsements.

In contrast, building code upgrade costs, legal expenses for liability defense, and debris removal are generally more integral to these dwelling policies. Building code upgrades are critical when a home is rebuilt or repaired in accordance with current regulations. Legal expenses for liability defense ensure that the homeowner is protected from lawsuits arising from incidents on the property. Debris removal is often covered as it is necessary to clear out the remnants of a structure after a loss, making it crucial for both habitability and further repairs. These coverages support the overarching goal of protecting the insured's investment and minimizing their liabilities, which is why they are included in the broader scope of dwelling policies.