What’s a “dwelling”?
Your dwelling coverage applies to your home and attached structures such as a garage or carport. Permanently installed outdoor equipment on the premises (a swimming pool and attached equipment, for example) is included. Building materials are also covered.
You may apply up to 10% of the amount of insurance on your dwelling to insure building fixtures and fittings, such as mirrors or air conditioners, which have been temporarily removed for repair or seasonal storage. You may apply up to 5% of your insurance to trees, plants and shrubs; but there’s often a limit for any one item. Lawns aren’t insured. Check your actual policy wording for specific limitations.