Which type of coverage is NOT included in a dwelling policy?

In a dwelling policy, the coverage for business interruption is typically not included. Dwelling policies, especially those like the Basic Form, Broad Form, and Special Form, focus on providing coverage for the physical dwelling and its specified additional coverages.

Business interruption coverage is more commonly found in commercial property insurance policies, which are specifically designed to cover loss of income related to a business operation due to property damage. This type of coverage would apply in scenarios where a business is unable to operate due to an insured peril causing a loss of revenue, such as a fire damaging the business premises.

In contrast, fair rental value, other structures, and personal property coverages are all aspects of a dwelling policy designed to protect the insured's property and any associated income lost on rental properties. Fair rental value would compensate for loss of rental income during a period when the property is uninhabitable due to a covered loss, while other structures covers additional buildings on the property, and personal property provides coverage for belongings within the dwelling. Therefore, business interruption stands out as the coverage not included in a typical dwelling policy.