The dwelling policy typically does NOT cover which of the following?

The dwelling policy typically does not cover landscaping. While a dwelling policy does provide coverage for the structure of the home and attached structures like garages, it generally excludes coverage for personal property that is not directly related to the dwelling itself. Landscaping, which includes plants, trees, and shrubs, is considered an improvement to the property but is often not included under standard dwelling policy coverage.

In general, dwelling policies focus on protecting the physical dwelling and its attached structures against covered perils. This means that while detached garages and fences may be covered, landscaping items are more vulnerable to exclusions or limited coverage conditions. Additionally, boats stored on the property usually fall under personal property coverage that would not be specifically addressed in a dwelling policy, so their exclusion is handled differently than that of landscaping.