Final answer:
The statement is true; the land under a dwelling is typically not covered by coverage A in dwelling forms since the land does not face the same risks as the dwelling itself.
Step-by-step explanation:
The statement that the land under a dwelling is not covered as a part of coverage A (dwelling) under the dwelling forms is true. When purchasing insurance for a house, coverage A pertains to the dwelling itself, which includes the structures attached to it, like a garage or deck, as well as materials and supplies on or adjacent to the residence premises for use in the construction, alteration, or repair. However, land is generally not at risk for the types of damages that homeowners insurance is designed to protect against, such as fire, theft, or other perils, and so is not covered under these policies.