A household buildings policy for a shared house would typically cover losses in relation to which peril?

Study for the CII Certificate in Insurance - Household insurance products (IF6) Test. Prepare with multiple choice questions and comprehensive materials to enhance your understanding of household insurance.

A household buildings policy for a shared house would cover losses related to explosion as this peril is generally included in standard property insurance coverage. Explosions can cause extensive damage to structures, and insurers typically recognize this as a significant risk that should be protected against in a household buildings policy.

In the context of the other options, while some scenarios might seem relevant to household insurance, they don't align with the standard protections provided. For instance, riot damage caused by tenants typically may not be covered, as policies often exclude losses arising from tenant actions. Similarly, malicious damage caused by a tenant is often excluded under these policies because it falls under tenant liability, which may require different coverage. Theft without force or deception usually does not meet the criteria for coverage under most policies, which often require a clear indication of forced entry for theft claims to be valid. Therefore, explosion stands out as a peril typically covered in this type of insurance.

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