Dwelling Coverage D covers which of the following losses?

Dwelling Coverage D pertains specifically to losses incurred due to the inability to access the insured property caused by a civil authority's action. This coverage is particularly relevant when a civil authority restricts access due to a nearby event that has resulted in direct damage from a peril covered by the insured's policy.

This coverage acknowledges that while the insured's property may not be directly damaged, the restrictions imposed by governmental or civil authorities can severely impact the ability to utilize the property and thus result in a financial loss.

In contrast, damage to a swimming pool is typically covered under other specific provisions for damage to structures or personal property, while additional living expenses generally fall under a separate coverage category designed for when a homeowner needs to temporarily relocate due to damage covered by their policy. The loss of rental income due to lease cancellation involves different types of coverage generally related to business income or property used for rental purposes, rather than the direct access issues addressed by Dwelling Coverage D.