Which claim would typically be included under a dwelling policy?

A dwelling policy is designed to provide coverage for specific types of property and risks associated with that property. Fire damage to an insured's rowboat that is stored in an attached garage falls under the coverage because dwelling policies typically protect the structure of the building and its contents against various named perils, one of which is fire. Since the rowboat is stored in a structure specifically covered by the dwelling policy, the damage would be eligible for coverage, assuming all policy terms are met.

In contrast, losses due to normal wear and tear, intentional damage caused by the insured, and damage from pests or rodents are generally excluded from coverage under dwelling policies. Normal wear and tear is considered a maintenance issue and not a unique risk event covered by insurance. Intentional damages are typically not compensated because insurance is meant to cover unforeseen circumstances, and claims related to pests or rodents often fall outside the scope of what is insurable under standard dwelling policies.