Which type of coverage does Coverage A in a dwelling policy refer to?

Coverage A in a dwelling policy specifically refers to dwelling and attached structures coverage. This coverage typically includes the physical structure of the home itself, as well as any attached structures, such as a garage or a deck. Essentially, it pertains to the insurable value of the home and protects against risks like fire, vandalism, and other perils listed in the policy.

This distinction is important because it defines the scope of what is covered under the dwelling policy. Coverage for personal property, other structures, and liability is categorized separately within the policy, each addressing specific needs and aspects of insurance protection. Understanding that Coverage A is focused solely on the dwelling and attached structures helps homeowners know exactly what aspect of their property is being insured.