Which coverage would apply to a permanent swing set in the backyard?

The correct answer is based on the classification of the swing set in relation to the property it is situated on. Coverage B - Other Structures applies to structures that are not attached to the dwelling but are still part of the property, typically including items like fences, detached garages, and other outdoor features.

A permanent swing set is considered an improvement or structure on the property that is not attached to the primary dwelling. Therefore, it falls under the definition of "Other Structures," which is meant to cover such items. Coverage A - Dwelling would apply to the physical structure of the house itself, while Coverage C - Personal Property would cover items owned by the insured, typically inside the dwelling, such as furniture and electronics. Since the swing set is a permanent structure in the yard and not a movable personal property item, it is properly classified under Other Structures.

The option indicating it is not covered could lead one to believe that permanent fixtures are excluded from coverage, which is not accurate in this case since the swing set is considered an article that enhances the property's value and recreational use.