Dwelling policy covers which of the following?

• A. Cars owned by the insured
• B. Dwellings, other structures, personal property, fair rental value, and additional living expenses
• C. Liability coverage for injuries to visitors only
• D. Business income loss for a storefront

Answer: (B)

A Dwelling Policy is designed to insure residential structures and related property when a homeowners policy isn’t used. It covers the dwelling itself and other structures on the same premises, has a place for the insured’s personal property used to maintain the property, and includes Loss of Use protections like fair rental value and additional living expenses if the dwelling is unusable due to a covered peril. That combination—dwelling, other structures, personal property, fair rental value, and additional living expenses—fits what a dwelling policy is meant to cover.

Cars owned by the insured aren’t part of a dwelling policy; they’re insured under auto coverage. Liability for injuries to visitors, while important, is generally handled separately (often under a liability portion that may be added but isn’t the primary dwelling coverage). And business income loss for a storefront is a commercial coverage, not a dwelling policy provision.