What kind of structures are not covered under dwelling coverage?

The correct answer indicates that land and landscaping are not covered under dwelling coverage. Dwelling coverage is designed to protect the physical structure of a home and any attached structures, but it does not extend to the land itself or any features that are considered part of the landscape. This includes unmovable elements such as the ground, trees, shrubs, and other types of vegetation that reside in or around the property.

In the context of homeowners insurance, the rationale behind excluding land and landscaping is tied to the fact that these items are not at risk in the same way a physical structure is. Structures such as attached garages, detached structures, and outdoor fixtures typically remain part of the insurable property because they can sustain damage from various perils like fire, storms, or vandalism. In contrast, land and landscaping are viewed as permanent and inherently stable, so insurance coverage does not apply. This distinction is crucial for understanding the limitations of dwelling coverage under property insurance policies.