Which of the following is NOT typically covered by a dwelling policy?

A dwelling policy primarily provides coverage for the structure of the home itself and certain types of damage, such as fire and smoke damage, which are common risks. It also typically covers other structures on the property, such as garages or sheds, that are not attached to the main dwelling.

However, flood damage is generally not included in standard dwelling policies and instead requires a separate flood insurance endorsement or policy. The nature of flood damage—resulting from rising water levels—is treated distinctly in the insurance landscape, necessitating specialized coverage due to the higher risks and specific exclusions associated with it. This distinction is crucial for homeowners to understand, as assuming coverage exists for flood damage under a standard dwelling policy can lead to significant financial exposure.