Which coverage of a dwelling policy includes direct losses?

Coverage A - Dwelling is designed to provide protection against direct losses to the physical structure of a home. This includes damage caused by various perils such as fire, windstorm, hail, and vandalism. The coverage is specifically tailored to cover the dwelling itself, including any attached structures, which means that if a covered event leads to direct damage, this coverage would apply.

In contrast, Coverage D is focused on compensating the homeowner for lost rental income when the dwelling is uninhabitable due to a covered loss. Coverage C pertains to the personal belongings of the insured, providing coverage for items inside the dwelling rather than the structure itself. Lastly, Coverage E covers additional living expenses that may arise if the home is uninhabitable due to a covered loss, but it does not address damages to the dwelling itself. Hence, Coverage A is the only option that directly covers losses to the property structure, making it the correct choice in this context.