Which coverage includes the house itself within homeowners insurance?

Dwelling coverage is specifically designed to protect the physical structure of the home itself under a homeowners insurance policy. This includes the main dwelling and any attached structures, such as a garage or deck. In the context of homeowners insurance, dwelling coverage is crucial because it ensures that the owner can repair or rebuild their home in the event of damage due to incidents such as fires, storms, or vandalism.

The other types of coverage mentioned serve different purposes within a homeowners insurance policy. Personal property coverage protects the belongings inside the home, such as furniture and electronics, while liability coverage provides protection against legal claims or lawsuits resulting from injuries or damages to others on the property. Loss of use coverage is intended to cover additional living expenses if the home is uninhabitable due to a covered loss, allowing the homeowner to maintain their standard of living during repairs. Thus, dwelling coverage is the correct answer, as it specifically pertains to insuring the structure of the house itself.