Under a DP-1 dwelling policy with a dwelling coverage of $100,000, how much can an insured claim if both the dwelling and a detached garage are destroyed?

In the context of a DP-1 dwelling policy, the coverage provided is specifically for the dwelling and typically does not extend to detached structures unless specifically included in the policy. A standard DP-1 policy includes coverage for the dwelling itself and may not automatically cover detached structures like garages, unless those are explicitly listed or additional coverage is purchased.

In this scenario, the dwelling coverage amount is set at $100,000, which represents the maximum amount the insured can claim for losses related to the dwelling itself. As the detached garage is generally considered a separate structure, its destruction would not be covered under the standard dwelling coverage unless it’s indicated otherwise within the policy terms.

Thus, the insured can claim $100,000 for the destruction of the dwelling, but the loss of the garage would not contribute to this amount, resulting in a total claim of $100,000 under the policy. This understanding highlights the importance of reviewing policy details to determine coverage limits for additional structures.