What do dwelling policies primarily insure?

Dwelling policies are designed to provide coverage specifically for residential properties, which includes both the physical structure of the home (the dwelling) and, in some cases, the personal property (contents) within it.

These policies can cover various situations such as property damage from risks like fire, wind, and theft. While some dwelling policies may focus primarily on the structure itself, many offer the option to include personal property coverage, making it possible to insure both the dwelling and its contents. This dual coverage is fundamental, as homeowners typically seek protection not only for their home but also the valuable items that are within it.

In contrast, policies that insure only personal property or only contents would not provide comprehensive protection for homeowners. Therefore, the emphasis on both the dwelling and the contents in the correct answer reflects a fuller scope of coverage that these policies aim to provide, aligning with the needs of homeowners who require protection for both their property and belongings against potential risks.