Which of the following is not covered under a dwelling policy?

The land under the house is not covered under a dwelling policy because dwelling policies are designed to protect structures and specific personal property but do not extend to the land itself. This means that while the physical buildings, such as houses, garages, and other structures like fences and swimming pools, are insured against covered perils, the underlying property on which these structures are built is excluded from coverage. The purpose of a dwelling policy is to provide financial protection for the structures and contents in the event of damage or loss, but it does not encompass the land.

In contrast, the other options listed, such as a detached garage, swimming pool, and fence, are typically considered part of the insured property and are covered under a dwelling policy, as they are tangible structures that can be damaged. This distinction is important for understanding the limitations of coverage under dwelling policies, helping policyholders make informed decisions about their insurance needs.