What does a dwelling insurance policy typically NOT cover?

A dwelling insurance policy primarily focuses on protecting the physical structure of the home and certain perils associated with it. It typically covers damage to the building itself from events like fire, windstorms, or vandalism. Personal property within the home, such as furniture and appliances, may often be covered under a separate policy or an endorsement. Likewise, liability claims, which address injuries or damages that occur on the property, are commonly provided as part of a broader homeowners insurance policy.

Damage caused by pests, such as termites or rodents, is generally not covered under dwelling insurance policies. This exclusion exists because pest infestations are often considered the result of a lack of maintenance or upkeep, rather than an insurable event. Homeowners are typically responsible for maintaining their properties and preventing infestations, making this type of damage an exclusion from standard coverage. Therefore, the correct choice highlights a common limitation found in dwelling insurance policies.