Which of the following additional perils is covered under both the basic form and broad form dwelling policies?

The correct answer, internal explosion, is covered under both the basic form and broad form dwelling policies. This peril refers specifically to the explosion that occurs within the confines of a building, impacting contents and sometimes the structure itself. The inclusion of internal explosions reflects an understanding that such incidents can lead to significant damage and losses, and therefore they are included as a common coverage in both policy forms.

In contrast, freezing of plumbing, heating, or air conditioning systems is only covered under the broad form and not the basic form. This distinction highlights the limitation of the basic form in covering more nuanced and potentially less frequent risks related to weather and maintenance.

Falling objects and weight of ice, snow, or sleet are also covered solely under the broad form. This further emphasizes that the broad form is designed to provide a more comprehensive level of coverage by including perils that a basic form policy does not address, catering to a wider array of potential risks to the property.

Understanding these distinctions helps policyholders select the right coverage based on their needs and the specific risks they want to insure against.