Which of the following items would be covered under Coverage A in a dwelling policy?

Prepare for the Florida Certified Insurance Representative Exam. Use multiple choice questions and detailed explanations to enhance your study sessions. Improve your chances of success!

Coverage A in a dwelling policy specifically pertains to the coverage of the structure of the dwelling itself and any fixtures that are permanently attached to it. This is typically the main residence or building, and it includes things like walls, roof, and built-in appliances.

In this context, the gas furnace located in the basement is classified as part of the dwelling's structure since it is a fixture that is installed in the building and is not designed to be removed. Therefore, it is covered under Coverage A because it contributes to the overall functionality and integrity of the home.

In contrast, personal property is typically covered under a different section of an insurance policy, and while items such as swimming pool equipment might be vital for the maintenance of the property, they generally fall under personal property or additional structures rather than the main dwelling. A detached garage, while part of the property, is often covered under Coverage B, which pertains to other structures, rather than the main dwelling structure covered under Coverage A.

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