Which of the following is an exclusion found in all three dwelling forms?

In the context of dwelling insurance forms, earth movement is a commonly recognized exclusion. This includes events such as earthquakes, landslides, and mudslides that typically fall outside the scope of coverage because they are often catastrophic in nature and pose a high risk for insurers.

Insurance companies tend to exclude these types of risks due to the potentially severe financial implications and the fact that they may not be preventable or easily assessable. Therefore, all three dwelling forms—Basic, Broad, and Special—explicitly exclude coverage for any damage resulting from earth movement.

In contrast, fire damage is often covered under dwelling forms, and vandalism and theft may also be included depending on the specific policy wording or may not be universally excluded. Hence, the consistent exclusion of earth movement across all three dwelling forms makes it the correct answer.