Under a dwelling policy, which of the following is covered for fire damage?

The premise of the question focuses on what is covered under a dwelling policy, specifically in relation to fire damage. The correct choice is the fire damage to the structure of a home because a dwelling policy is designed to provide coverage for the physical structure of residential buildings. This includes protection against risks like fire that can cause significant damage to the dwelling itself.

The other options involve contents or items that are not covered under a typical dwelling policy. For example, the contents of a garage used as an auto repair shop would likely fall under business use, which is often excluded from standard dwelling policies. Similarly, a third-party vehicle parked on the premises is typically not covered under a home policy, as it pertains to liability for vehicles rather than the structure itself. Finally, stored personal sports equipment in the garage may be covered under personal property insurance under a homeowner's policy but may not be included in a dwelling policy, which focuses on the structure rather than the contents within. Thus, the fire damage to the structure of a home correctly identifies the element directly covered by the dwelling policy.