Which coverage applies when a policyholder has building materials adjacent to their property?

The coverage that applies when a policyholder has building materials adjacent to their property is building coverage. This type of coverage typically protects the structure of the property itself as well as any materials that are meant to be used for construction or renovation. When building materials are on or adjacent to the property, they are generally considered part of the overall building coverage, as they contribute to the value and maintenance of the property.

Liability coverage, on the other hand, focuses on protecting the policyholder against claims for bodily injury or property damage that might occur on their premises, rather than providing structural protection. Personal property coverage protects items owned by the policyholder within the home but does not extend to materials intended for construction. Lastly, additional living expenses cover the cost of living elsewhere if a property becomes uninhabitable due to a covered loss, and it does not address the direct protection of materials on the property. Therefore, building coverage is the most appropriate choice in this context.