What type of damages cannot be covered by a Dwelling Policy without an endorsement?

Liability damages refer to the responsibility of a policyholder for causing harm or injury to another party, which is generally not covered under a standard Dwelling Policy. Instead, Dwelling Policies typically provide coverage primarily for the physical structure of the dwelling and the contents within it, such as personal property. This is focused on property damage rather than liability for damages caused to others.

For liability coverage, a different type of policy, such as a Homeowners Policy, is usually required, or liability coverage must be obtained through an endorsement to the Dwelling Policy. This distinction is crucial for understanding what is included in a standard Dwelling Policy and the additional steps necessary to acquire liability protection.

In summary, liability damages stand apart from the other options provided, which typically relate to property and personal property coverage.