Which coverages are included in all three types of dwelling policies?

Coverage A, Coverage B, Coverage C, and Coverage D are included in all three types of dwelling policies, which are known as DP-1 (Basic), DP-2 (Broad), and DP-3 (Special).

Coverage A pertains to the dwelling itself, covering the structure where people reside. Coverage B provides protection for other structures on the property, like detached garages or sheds, which enhances the overall protection for the insured’s property. Coverage C applies to personal property, covering items within the dwelling and on the premises. Finally, Coverage D offers loss of use coverage, meaning if the dwelling is uninhabitable due to a covered loss, this coverage can help pay for additional living expenses.

These coverages are integral to the comprehensive nature of the dwelling policies and serve to protect the homeowner's investments in various aspects of their property. This inclusion of all major coverages makes it easier for policyholders to obtain necessary protection under a single policy framework.