In a dwelling policy, which of the following other structures would be covered?

In a dwelling policy, other structures typically covered include those that are not used for business purposes and are either on the same premises as the dwelling or closely associated with the dwelling. The correct answer reflects this coverage principle.

When an additional structure, like a garage, is rented to a neighbor, it may initially seem like a business use; however, standard dwelling policies often provide coverage for structures rented out if they are designed for private occupancy and if the rental is not the primary use of the structure. In this case, the structure is being used as a private garage, which aligns with the homeowner's intent for it to serve primarily residential purposes, making it eligible for coverage under the dwelling policy.

Other choices may seem plausible but fall outside the typical coverage parameters set by dwelling policies. For instance, a storage shed that is not rented out would typically be covered, but the phrasing may create confusion about the primary use regarding rental status or business designation. Any property used for business purposes is generally excluded from standard coverage, so that option is not valid. Lastly, structures on a different property are also not covered under a dwelling policy, as the coverage usually applies to structures on the insured premises.