Which of the following losses would be covered under all Dwelling forms?

The correct answer is that fire damage to building materials on the insured premises is covered under all Dwelling forms. Dwelling policies provide coverage for the physical structure of the home and any materials related to the building that are located on the premises. This means that if building materials intended for the construction or renovation of the dwelling are damaged by fire, the loss would typically fall under the coverage provided by the policy.

The other scenarios mentioned, such as theft of personal property, flood damage, and damage caused by an earthquake, do not receive the same blanket coverage under all Dwelling forms. Theft, while generally covered in broader policies, may not always be included in basic Dwelling policies, which usually focus on the structure itself. Flood damage usually requires a separate flood insurance policy, as it is typically excluded from standard Dwelling coverage due to its high risk and nature. Similarly, damage caused by an earthquake is also generally excluded unless a specific endorsement or policy is in place to cover earthquake risks.

Therefore, fire damage to building materials aligns with the core coverage provided by Dwelling policies, making it the correct answer.