Which coverage primarily protects the owner's dwelling for loss or damage?

Coverage A primarily protects the owner's dwelling for loss or damage. In homeowners insurance policies, Coverage A is specifically designed to cover the structure of the home itself, including the walls, roof, and any attached fixtures. This coverage is essential for homeowners as it ensures that they are financially protected in the event of perils such as fire, theft, or severe weather, which could cause significant damage to their property.

Coverage B typically addresses other structures on the property that are not attached to the main dwelling, such as fences or detached garages. Coverage C pertains to personal property within the home, providing protection for items like furniture and electronics. Coverage D deals with loss of use, compensating for living expenses if the home becomes uninhabitable due to a covered event. Therefore, for protecting the physical structure of the home, Coverage A is the most relevant and comprehensive option.