Which of the following claims would be covered under a dwelling policy?

A dwelling policy typically provides coverage for physical damage to the dwelling itself and attached structures. It is designed to protect residential properties from various risks such as fire, theft, and certain types of liability.

The claim involving fire damage to the insured's rowboat stored in the attached garage would be covered under a dwelling policy. Although the rowboat itself is personal property, it is located in an area connected to the dwelling, which could fall under the coverage for materials or items that are adjacent to the primary residence and affected by a covered peril like fire. Given that the garage is connected to the primary dwelling, it helps to establish this connection, making it more likely for the damage to be covered.

In contrast, other claims mentioned do not align as well with the scope of a dwelling policy. The garage used as an auto repair shop implies that it is primarily business-related and may not be covered under a standard dwelling policy. Theft of the insured's auto from the detached garage typically requires auto insurance coverage rather than property insurance. Lastly, the claim concerning the death of the insured's pet due to smoke inhalation is not something covered by property insurance policies, which do not extend to injuries or death of animals. This context clarifies why fire damage to the row