Which of the following homeowners coverages are considered property coverages?

Homeowners insurance policies provide various types of coverages, and when discussing property coverages, it's important to recognize what each coverage specifically insures.

Coverage A refers to the structure of the home itself, providing protection for the dwelling against risks such as fire, theft, and vandalism. It ensures that the homeowner can repair or rebuild their home in the event of a covered loss.

Coverage B addresses other structures on the property that are not attached to the main dwelling, such as garages, sheds, or fences. This coverage protects these structures from damages and losses, further extending the property protection of the policy.

Coverage D, on the other hand, is related to loss of use. It provides benefits when homeowners cannot live in their home due to a covered loss, such as having to pay for temporary lodging. While it offers important financial support, it is not classified as a property coverage.

Since Coverages A and B are indeed considered property coverages — safeguarding the physical structures and assets of a policyholder — and understanding their distinction from Coverage D helps clarify why the answer identifies that all listed coverages fall under the umbrella of property coverage. Therefore, the most comprehensive answer is that all these coverages could be interpreted as property-related, depending on the