What coverage part in a homeowners policy includes building materials on the premises used to repair the covered property?

The coverage part in a homeowners policy that includes building materials on the premises used to repair the covered property is the dwelling coverage. This part specifically protects the physical structure of the home, as well as attached items like garages or decks. It extends to materials located on the property intended for use in repairing, restoring, or replacing the dwelling itself. Thus, if an insured homeowner has building materials for renovations or maintenance, those materials are typically covered under the dwelling portion of the policy as long as they are intended for use in a covered repair.

In contrast, personal property coverage pertains to the insured's personal belongings within the home, while loss of use coverage addresses costs incurred when the home is uninhabitable due to a covered loss. Other structures coverage includes detached structures like sheds or fences, but it does not encompass materials meant for dwelling repairs.