Which of the following scenarios would be covered under a dwelling policy?

In the context of a dwelling policy, coverage is primarily focused on damages to the dwelling and its attached structures from various perils. Lightning damage to the dwelling is a specifically covered peril under most dwelling policies. This means that if a house is struck by lightning, which causes damage to the structure, the policy would provide coverage for repairs or replacement, pursuant to the terms of the policy.

Dwelling policies usually include coverage for risks such as fire, smoke, explosion, windstorm, hail, and other named perils, and lightning is typically explicitly included in these protections. Therefore, when lightning causes direct damage to the dwelling itself, the home insurer would be obligated to compensate the policyholder for the loss as per the policy agreement.

On the other hand, intentional destruction by the homeowner is not covered because it is considered a deliberate act that the policy does not protect against. Theft of personal property typically falls outside the scope of dwelling policies unless the policy has been expanded to cover personal property; these policies mainly focus on the structure itself. Flood damage is generally excluded under standard dwelling policies, as most insurance policies require separate flood coverage due to the high-risk nature of flood damage and the resulting liabilities.