What do dwelling policies cover?

Dwelling policies are insurance products designed to provide coverage for residential properties, and they typically encompass various aspects of property protection. The correct response highlights that these policies cover property as a primary focus while allowing for the inclusion of liability coverage through an endorsement.

The property coverage under dwelling policies protects the physical structure of the home and any attached structures, such as a garage or deck, against various risks such as fire, theft, and certain types of damage. Additionally, while standard dwelling policies primarily cover the property itself, they can be enhanced to include liability coverage, which protects the policyholder if someone is injured on their property or if they cause damage to someone else's property. This added flexibility is critical for homeowners as it can extend their protection beyond just the physical structure.

This comprehensive approach to coverage is what makes the selected response the best choice, acknowledging both property and the potential for liability coverage through endorsements, catering to the needs of property owners who may require both types of protection.