Under a DP-3 policy, what aspect of coverage includes losses to building materials on premises?

Under a DP-3 policy, which is a dwelling policy providing special form coverage, building coverage specifically includes losses to building materials on the premises. This type of policy is designed primarily for residential properties and offers more comprehensive risk management compared to basic forms.

Building coverage encompasses not only the dwelling itself but also attached structures and materials intended for use in constructing or repairing the dwelling. This ensures that policyholders have financial protection if there are losses or damages to building materials that could impact the ability to repair or rebuild the property after a covered event.

Personal property coverage pertains to movable items within the dwelling rather than structural components or materials associated with the building itself. Liability coverage is related to legal responsibilities for bodily injury or property damage caused to others, and commercial coverage generally applies to business premises rather than residential properties. Hence, the aspect that directly addresses losses to building materials on the premises falls under building coverage as part of the DP-3 policy framework.