Final answer:
The kind of property from the given options that would be covered under a dwelling policy is rowboats. Dwelling policies commonly include coverage for such watercraft, unlike pontoon boats, motor vehicles, and aircraft, which need separate insurance policies due to their specific risk profiles.
Step-by-step explanation:
The correct property that would be covered under a dwelling policy from the given options is rowboats.
Dwelling insurance policies generally cover the structure of the home and other structures that are not used for business, including some types of watercraft. Specifically, most dwelling policies provide coverage for rowboats and canoes; other types of watercraft like pontoon boats, motor vehicles, and aircraft are typically excluded and require specialized policies. Therefore, if a homeowner has a rowboat, it may be protected under their dwelling policy from damages due to risks covered in the policy (such as fire or theft), up to certain limits and under specified conditions. However, insurance for pontoon boats, motor vehicles, and aircraft would not be included and these items would need their own respective insurance coverage due to the different risks and regulations they entail.
A dwelling policy typically covers property related to the insured's residence, such as the structure of the building, personal belongings, and liability for accidents that occur on the property. In this case, the following kinds of property would be covered under a dwelling policy:
Pontoon boats: Pontoon boats usually fall under the personal property category, which can be covered by a dwelling policy if specified in the policy.
Rowboats: Similar to pontoon boats, rowboats are also considered personal property and can be covered under a dwelling policy if specified.
However, the following options would not be covered:
Motor vehicles: Motor vehicles are typically covered by auto insurance policies, not dwelling policies.
Aircraft: Aircraft is not covered under a dwelling policy as they are typically insured separately with aviation insurance.