Which of the following is typically excluded from Coverage A under a dwelling policy?

Coverage A under a dwelling policy specifically pertains to the structure of the dwelling itself, including the building and any attached structures. It is designed to cover damages resulting from various perils like fire, lightning, vandalism, and certain types of weather-related damage. However, personal property—such as furniture, electronics, and other belongings—is generally covered under Coverage C, not Coverage A.

The theft of personal property falls under the coverage of personal property and not structural coverage, which is why it is excluded from Coverage A. This distinction is crucial for understanding how different types of property damage and loss are addressed within dwelling policies. In contrast, damage from fire or lightning, vandalism, and even certain weather-related impacts like damage from the weight of ice and snow are typically covered under Coverage A, as they affect the physical structure of the dwelling.