In a standard homeowners policy, what is the typical structure of the main property coverages (Coverages A through D)?

A standard homeowners policy organizes property coverage into sections: Coverage A insures the dwelling (the house structure); Coverage B insures other structures on the premises not attached to the house (such as a detached garage, shed, or fence); Coverage C insures personal property (the insured's belongings); and Coverage D provides loss of use, paying additional living expenses if the home becomes uninhabitable due to a covered loss. Coverages E and F handle liability and medical payments. Knowing the A–D property coverage structure of the homeowners policy is fundamental content frequently tested on the property insurance exam.