Final answer:
A dwelling policy does not provide coverage for a dwelling with 5 boarders, as it exceeds typical limits for non-commercial policies. It may cover a dwelling with fewer boarders, a detached garage, and occasional business use.
Step-by-step explanation:
A dwelling policy typically provides coverage when a dwelling is damaged or burglarized. However, it may not extend to certain situations. A standard dwelling policy may have limitations regarding boarding or renting out parts of the home. Typically, if the property is used as a boarding house with a certain number of boarders, it may not be covered. Therefore, a dwelling with 5 boarders is likely not covered because this exceeds the typical limit set by insurers for non-commercial policies. A dwelling with 2 boarders is often acceptable under personal dwelling policies. A detached garage, as a structure typically associated with a personal-use dwelling, is commonly covered. Similarly, a dwelling used for occasional business by the insured is often covered, provided that the usage is infrequent and the business exposure is limited.