In a Homeowner's policy, which specific coverage includes wall-to-wall carpeting?

In a Homeowner's policy, coverage for wall-to-wall carpeting falls under the Dwelling coverage. This is because Dwelling coverage is designed to protect the physical structure of the home itself, including all fixtures that are a permanent part of that structure. Wall-to-wall carpeting is considered a fixed element of the home, as it is affixed to the building and generally not removable without causing damage to the property.

Personal Property coverage typically protects movable items within the home, such as furniture, electronics, and clothing, but it does not extend to the fixed components of the house. Other Structures coverage refers to buildings on the property that are not attached to the main dwelling, like sheds or detached garages. Loss of Use deals with additional living expenses incurred if the home becomes uninhabitable due to a covered loss, but it does not relate to the structural elements of the home itself.

By understanding these distinctions, it becomes clear that the Dwelling coverage is the correct category for wall-to-wall carpeting in a Homeowner's policy.