Which coverage under a dwelling policy typically does NOT include personal property protection?

Coverage A refers to the dwelling itself, which includes the structure and any attached structures, such as a garage. This coverage is focused on insuring the physical structure against risks like fire, wind, and other hazards as specified in the policy. As such, it does not extend to personal property, which is typically covered under separate provisions.

In contrast, Coverage C specifically addresses personal property protection, safeguarding belongings such as furniture, electronics, and clothing that are not part of the dwelling structure. Coverage B may provide protection for other structures separate from the dwelling, such as sheds or fences, but it still does not cover personal property. Coverage D offers additional living expenses if a covered event displaces the insured from their residence, also not pertaining to personal property directly.

Thus, the distinction of Coverage A as the option that does not include personal property protection is accurate.