Which item is covered under Coverage A in a dwelling policy?

Coverage A in a dwelling policy specifically pertains to the dwelling itself, which includes the structure of the home and its attached components. This means that items that are permanently installed and part of the building's infrastructure are typically covered under this section.

A gas furnace located in the basement is a part of the HVAC (heating, ventilation, and air conditioning) system of the dwelling. Since it is permanently installed within the home and directly contributes to the functionality of the residence, it falls under the protection of Coverage A.

This coverage generally does not include items that are not permanently fixed or attached to the structure. For instance, building materials intended for a storage shed, while related to construction, are not part of the home itself until they are installed. Damage to land is also not covered since Coverage A is focused on the dwelling structure. Similarly, construction tools, unless they are integral to the dwelling structure, would not be included under Coverage A. These tools are typically considered personal property and would fall under different coverage provisions.