What type of property is NOT covered under the dwelling policy special for Coverage A-Dwelling?

Coverage A under a dwelling policy special provides protection for the structure of the dwelling itself. However, it does not extend coverage to the land on which the dwelling is situated. This is a fundamental principle in property insurance, where land is viewed as inherently uninsurable. The reasoning behind this lies in the fact that land typically does not suffer damage in the same way buildings do; rather, it may appreciate or depreciate in value due to external factors that insurance cannot cover.

Personal belongings inside the home, the structure of a garage, and outbuildings used for personal storage are specifically included in various forms under Coverage A or other applicable sections of the dwelling policy. Personal property within the dwelling or garage is typically insured, as are separate structures on the property that serve a purpose related to the dwelling. However, the land itself remains beyond the scope of coverage in the dwelling policy, rendering it uninsurable.