Dwelling Policy Practice Test

What is NOT covered under Coverage A - Dwelling of a special form policy?

1. The dwelling structure

2. Land on which the dwelling is located

3. Detached garages

4. Personal property situated in the dwelling

The correct answer is: Land on which the dwelling is located

In a special form policy, Coverage A - Dwelling is specifically designed to protect the physical structure of a home and attached structures. This coverage typically extends to the dwelling itself, which includes the actual building, as well as any attached structures like a garage. Detached garages also fall under the coverage of the dwelling policy, as they are considered part of the property insured by the dwelling coverage. However, the land on which the dwelling is located is explicitly excluded from Coverage A. Insurance policies generally do not cover land as it is not a part of the structure itself but rather the area that the structural improvements occupy. Therefore, since land is not a physical structure that can be damaged or destroyed in a typical sense, it is not included in the coverage provided for the dwelling. Personal property situated in the dwelling, like furniture or appliances, is also covered under different sections of a comprehensive home insurance policy, such as Coverage C, which deals with personal property, rather than under Coverage A. Thus, the correct answer accurately identifies what is excluded from Coverage A.