Which of the following is NOT included in Coverage A of a homeowners policy?

Coverage A of a homeowners policy primarily pertains to the dwelling itself and related structures that are permanently attached to it. This section covers the physical structure of the home, which includes walls, roofs, and any permanent fixtures that are integral to the building.

Permanent fixtures, which are items that cannot be easily removed without damage to the property (such as built-in cabinets, plumbing, and heating systems), are indeed included under Coverage A, as they contribute to the integrity and functionality of the dwelling. Additionally, attached structures such as garages or decks are also covered as they are considered part of the main dwelling.

Personal property, on the other hand, is covered under Coverage C of a homeowners policy. This section addresses the contents within the home, including furniture, electronics, and personal belongings. Since personal property is distinctly categorized separately from the dwelling and its permanent nature, it is excluded from Coverage A, making this the correct choice for the question. Understanding this distinction helps clarify the scope of coverage provided under various sections of a homeowners policy.