In property insurance, what is typically covered under the term "dwelling"?

In property insurance, the term "dwelling" typically refers to the primary buildings and structures on the insured property. This includes the main home, any attached structures, and specific permanent fixtures that are part of the building itself. The focus of dwelling coverage is to protect the physical structure against various risks, such as fire, theft, and certain types of damage.

Choosing the option that highlights buildings and structures captures the essence of what dwelling coverage entails. It provides essential protection for the property that the homeowner resides in, ensuring that repairs or rebuilding costs are covered in the event of a loss.

In contrast, the other options do not align with the definition of “dwelling” in insurance terms. Contents of personal vehicles would fall under vehicle insurance rather than property insurance. Outbuildings can be covered under certain policies, but they are not the primary focus of dwelling coverage. Landscaping and gardening typically fall under separate coverage areas or endorsements and are not considered part of the dwelling itself.