Which of the following is typically covered under the dwelling policy?

The correct option, which is a primary residence, is typically covered under a dwelling policy because these policies are specifically designed to provide coverage for residential properties and their related risks. A dwelling policy offers protection for the physical structure of the home along with any attached structures, such as a garage, which are usually considered part of the primary residence.

In contrast, business property used off-premises would not be covered, as dwelling policies focus on residential use rather than commercial activities. Similarly, structures rented to others may not fall under standard dwelling policy coverage, which is primarily aimed at owner-occupied residences rather than properties yielding rental income. Lastly, while a car parked on the property may be physically present, it is generally covered under an auto insurance policy rather than a dwelling policy, which does not provide protection for vehicle-related risks. Thus, the primary residence is the only option that aligns with the coverage intents of a dwelling policy.