All of the following would be covered under coverage A of a dwelling policy EXCEPT?

Coverage A of a dwelling policy primarily provides coverage for the dwelling itself and any structures attached to it, which can include certain other structures on the property under specific conditions. However, in the case of outbuildings, not all are automatically included.

The distinction for the option referring to an outbuilding rented as a private garage is crucial because Coverage A typically extends to structures that are located on a policyholder's premises and are used for personal purposes. When an outbuilding is rented to someone else, it changes the nature of the use from personal to commercial. This use can lead to it being excluded from Coverage A because dwelling policies are designed for owner-occupied structures and related personal use rather than those utilized for rental or business purposes.

In contrast, the other options reflect scenarios that are recognized as being covered under Coverage A. A private detached garage is considered an associated structure to the primary dwelling, a dwelling under construction is also covered to ensure that it is protected during the building process, and a mobile home on a permanent foundation is treated similarly to a standard dwelling when it meets specified criteria. Therefore, the rental aspect of the outbuilding sets it apart from the coverage intended through the dwelling policy.