Question: a. Coverage A and Coverage B under a Homeowners 3 policy insure the dwelling and other structures against direct physical loss. Explain the meaning of

a. Coverage A and Coverage B under a Homeowners 3 policy insure the dwelling and other structures against "direct physical loss." Explain the meaning of this phrase.
b. Coverage C under a Homeowners 3 policy covers personal property on a named-perils basis. List the various perils that are covered.

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