Which item is NOT covered by Coverage A?

Coverage A in a typical homeowners insurance policy refers to the dwelling itself, which includes the main structure of the home and any attached structures. This coverage is designed to protect the policyholder against risks such as damage from fire, wind, or vandalism.

Portable personal property, on the other hand, does not fall under Coverage A. This type of property includes items like furniture, electronics, and jewelry that are not permanently attached to the home. Portable personal property is typically covered under a different section of the policy, such as Coverage C, which deals specifically with personal belongings.

The other items mentioned, such as the home itself, detached garages, and attached structures like awnings, are indeed covered under Coverage A. The foundational purpose of this coverage is to ensure that the main structures related to the residence get protection, while personal belongings that can be easily moved are designated for separate coverage considerations. This differentiation is vital for homeowners to understand, as it helps them ensure they have the appropriate level of coverage for both their dwelling and personal items.