What are the five coverages included in dwelling policies?

The identification of the five coverages included in dwelling policies is crucial for understanding how these policies operate and the protection they provide. In dwelling insurance, the specific coverages are clearly defined and serve distinct purposes:

• Coverage A - Dwelling: This coverage insures the structure of the home itself, including any attached structures. It provides protection against perils such as fire, wind, and other specified risks.

• Coverage B - Other Structures: This coverage extends protection to structures on the property that are not attached to the dwelling, such as detached garages or sheds. These structures receive coverage under a separate limit.

• Coverage C - Personal Property: This coverage applies to the personal belongings of the insured, such as furniture, electronics, and clothing. It provides financial assistance for personal items that are lost or damaged due to covered perils.

• Coverage D - Fair Rental Value: This coverage compensates the policyholder for lost rental income if the dwelling becomes uninhabitable due to a covered loss. It ensures that the homeowner does not face financial hardship during the repair process.

• Coverage E - Additional Living Expenses: This applies when the dwelling is uninhabitable, covering expenses incurred for temporary living arrangements, such as hotel stays, meals, and other