Which of the following coverage types would not include a permanent swing set?

The correct answer is that Coverage C - Personal Property would not include a permanent swing set. In the context of homeowners insurance, Coverage C typically pertains to personal property that is not permanently affixed to the dwelling. This includes items that can be easily moved, such as furniture, electronics, and personal belongings.

A permanent swing set, however, is considered a fixture and is typically affixed to the ground, making it part of the property itself rather than a moveable item. As a result, it would not be classified under personal property coverage. Instead, a swing set may be covered under Coverage B - Other Structures, if it is located away from the main dwelling and considered a separate structure.

Coverage A - Dwelling addresses the physical structure of the home itself, and while swings that are permanently attached may be represented in that coverage, Coverage C is specifically designed to cover movable personal property, which is not applicable to a permanent swing set. Thus, the distinction lies in the nature of the swing set's installation and its classification within the various types of coverage.