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 cover structures and personal property associated with a dwelling, rather than the land itself. Dwelling policies typically provide coverage for the physical structure of the home, any attached structures, and certain personal belongings within those structures. However, the land itself does not suffer from physical damage in the same way that structures can be impacted by events like fire, wind, or theft.

In contrast, structures such as a detached garage, swimming pool, and fence may be covered depending on the specifics of the policy, as they are considered part of the property associated with the dwelling. This distinction is important for policyholders to understand, as it highlights what aspects of their property are financially protected under their dwelling insurance.