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

Additional Living Expenses is the coverage in a dwelling policy that addresses indirect losses. This type of coverage is designed to help policyholders who are temporarily displaced from their homes due to a covered loss, such as fire or other damage. When a home becomes uninhabitable, policyholders can incur additional costs for living accommodations, such as hotel stays, restaurant meals, and other necessary expenses incurred while their home is being repaired or rebuilt. By covering these indirect losses, this provision ensures that homeowners are not left in a financially compromised position while they wait for their living situation to return to normal.

The other coverages listed serve different purposes. Other Structures generally provides coverage for structures on the property that are not attached to the main dwelling, such as sheds or fences. Personal Property covers the homeowner's belongings within the dwelling, while Dwelling coverage focuses on the physical structure of the home itself. These options primarily address direct losses related to property damage or destruction rather than the additional expenses incurred due to displacement.