Which of the following claims would be included under the dwelling policy?

The claim for fire damage to the insured's rowboat stored in the attached garage is included under the dwelling policy because dwelling policies are designed to cover the structure of the home and certain personal property associated with it. Specifically, these policies typically cover structures that are attached to the dwelling, such as an attached garage, as well as property that is stored within that structure, including boats or other personal belongings.

In this scenario, the rowboat is stored in an area that is directly associated with the dwelling (the attached garage), which means it falls under the coverage provided for personal property. This highlights the relationship between coverage and the type of structure or storage facility when it comes to dwelling policies.

The other scenarios involve situations that do not align with the coverage provisions of a typical dwelling policy. For example, a garage used as an auto repair shop introduces a commercial element, which could be excluded from coverage. The theft of an auto from the detached garage pertains to personal automobile coverage rather than dwelling insurance and is not covered by a dwelling policy. Lastly, the claim regarding the death of a pet due to smoke inhalation doesn’t relate to property damage, as dwelling policies generally do not cover the loss or injury of pets. Thus, the focus on the dwelling structure