HO-3 Coverage A

Maria owns a single-family home insured under an HO-3 homeowners’ policy. Which of the following is covered under Coverage A – Dwelling?

1. Damage to Maria’s detached garage caused by a windstorm
2. Damage to Maria’s personal property inside the home caused by fire
3. Replacement of the roof of Maria’s home after a hailstorm
4. Medical payments to a neighbor injured on Maria’s property