Which of the following coverages in the dwelling policy is for indirect losses?

The coverage in a dwelling policy that addresses indirect losses is Additional Living Expenses. This type of coverage is designed to help policyholders who are unable to live in their home due to a covered loss. When a dwelling suffers damage, such as from a fire, the homeowner may need to temporarily relocate and incur costs associated with living elsewhere. Additional Living Expenses will cover these increased living costs, such as renting a hotel, purchasing meals, or other necessary expenses that exceed what the homeowner would normally spend if still residing in their home.

In contrast, other coverages listed—like Other Structures, Personal Property, and Dwelling—primarily cover direct losses related to physical damage to the property itself or belongings within it. They do not provide for the additional expenses incurred due to displacement from the home, which is why Additional Living Expenses is specifically recognized for indirect losses.