Answer: d. To the dwelling and other structures and personal property.
Explanation: it is an insurance policy where the insured requests for replacement of his/her home,other structures and personal property as must have been agreed and spelt out in the agreement. This can be done by either valuation and paying for the actual monetary value of the damaged home, other structures and personal property or by actual replacement by the insurance company.
The damage/ loss can be as a result of natural disasters, accident,theft or fraud.