All of the following are other coverages under the dwelling policy EXCEPT?

The correct choice highlights that earth movement is not considered an additional coverage under the dwelling policy in a standard context. In many insurance policies, including those for dwelling coverage, certain risks such as earth movement—encompassing events like earthquakes, landslides, or sinkholes—are typically excluded from coverage due to the high potential for loss and the unique nature of these risks. This exclusion reflects the general nature of standard dwelling policies, which are designed primarily to cover damages arising from more common risks, like fire or theft.

In contrast, personal liability is a common coverage included in many property policies, safeguarding the insured against claims for bodily injury or property damage they may cause to others. Cap on jewelry losses refers to a limitation on the amount reimbursed for jewelry losses, which can be a specific coverage option or limit found within certain dwelling policies. Fair rental value coverage compensates property owners for lost rental income due to damage from a peril covered under the policy, making it an integral part of the dwelling insurance framework. All these coverages fit within the context of what a dwelling policy typically addresses, unlike earth movement, which stands apart as a common exclusion.