What type of claims does a dwelling policy typically cover?

A dwelling policy primarily covers property damage claims for the dwelling itself and any attached structures. This type of insurance is designed for residential properties that may not qualify for a standard homeowners policy, often used for rental properties or homes that are not owner-occupied.

This policy typically includes coverage for physical damage to the structure from various perils such as fire, windstorm, hail, vandalism, and other specified risks. It protects the policyholder's investment in the property by providing financial compensation for damages that could significantly impact the value or usability of the dwelling.

In contrast, theft claims are not the sole focus of a dwelling policy; while certain types of theft may be covered, it is not a primary coverage area. Personal liability claims are often covered under a homeowners policy or renters insurance but are not typically included in a dwelling policy. Business interruption claims relate to lost income due to a business being unable to operate, which is not relevant to dwelling policies since they are focused on property damage rather than business operations. Therefore, the coverage provided by a dwelling policy is specifically targeted at property damage, making it the most accurate choice among the options.