Which types of structures are covered under DP Coverage A?

DP Coverage A under the Dwelling Policy typically includes coverage for the dwelling itself and any attached structures that are considered part of that dwelling. This includes the main house and any other structures that are physically connected to it, such as a garage or a porch. Additionally, it covers service machinery that is part of the dwelling, such as heating and air conditioning units, as well as building materials intended for use in the construction or repair of the dwelling.

The option referencing garages, fences, sidewalks, and utilities is narrower in scope as it does not fully encompass the primary dwelling or its integral components. While garages may be included if they are attached, fences and sidewalks usually fall under other types of coverage or exclusions.

Personal belongings and contents are separate from the dwelling coverage and are typically included in Coverage C, which encompasses personal property rather than the physical structure itself.

Construction tools and land damage do not relate directly to the dwelling or attached structures and are thus not covered under DP Coverage A. This coverage is specific to the physical dwelling and its integral components, making the first option the most accurate representation of what is included in DP Coverage A.