Dwelling coverage typically does NOT include which of the following?

In a dwelling policy, coverage is primarily designed to protect the physical structure of the home and certain other associated structures. However, one key aspect of this type of insurance is that it does not cover the land on which the dwelling is situated. The reasoning behind this is that land is not subject to damage or loss in the same way that a building or structure is, thus it is considered outside the realm of coverage.

In contrast, personal liability typically is included in a broader homeowners policy rather than a dwelling policy specifically. Structures attached to the dwelling, such as a garage or porch, and additional buildings on the property, like sheds or guest houses, are usually included in dwelling coverage. Therefore, coverage for the land itself is the element that sets it apart as not being included under typical dwelling coverage.