Which coverage is NOT optional in the Homeowners policy, but is optional in the Dwelling policy?

In a Homeowners policy, coverage for Other Structures is automatically included and is not optional. This is because the Homeowners policy is designed to protect more comprehensive property interests, which typically includes structures like fences, sheds, and garages that are on the same property as the primary dwelling.

On the other hand, in a Dwelling policy—which is often used for rental properties or homes that are not owner-occupied—coverage for Other Structures is offered as an optional add-on. This allows policyholders to customize their coverage based on their specific needs or the nature of the property.

Many Dwelling policies focus on covering the dwelling and may not automatically include coverage for structures not attached to the main living unit. Thus, property owners can decide whether to include coverage for other structures depending on their circumstances, leading to it being classified as optional under that type of policy.