Which of the following is not covered by a dwelling flood policy?

A dwelling flood policy specifically covers structural components of a home and its foundation, but it typically does not include outdoor structures and personal belongings. Air conditioning units, although attached to the structure, are usually not covered under standard flood insurance policies, which is why they align with the correct choice here.

Flood insurance focuses on the basic elements of a dwelling, such as the building itself and its essential systems, while excluding items that are not considered integral to the structure. For instance, personal belongings are generally covered under a separate contents policy rather than the dwelling flood policy. Similarly, while basements may experience flooding and cause significant damage, the policy has limitations regarding coverage for basements and their contents.

Understanding flood insurance and its limitations is crucial for homeowners, as policies can vary significantly in terms of what is protected and what is excluded.