What type of coverage applies to wall-to-wall carpeting damaged by a burst water pipe?

The correct answer is that wall-to-wall carpeting damaged by a burst water pipe falls under Coverage A - Dwelling. This coverage typically encompasses the physical structure of the home, including built-in components and fixtures that are a permanent part of the dwelling. In many homeowners' insurance policies, wall-to-wall carpeting is considered a fixture that is integral to the home, as it is usually not removable without causing damage.

Coverage A is designed to protect against perils that cause physical damage to the structure of the home, which includes damage from water leaks, making it applicable in this scenario.

Other coverage types, such as personal property coverage, would pertain to movable items or personal belongings that are not attached to the home, while liability coverage addresses claims made against the homeowner for injury or damage to others. Loss of use coverage relates to living expenses incurred when the home is uninhabitable due to a covered loss, but it does not cover physical damage to the property itself. Thus, Coverage A is the most appropriate choice for addressing damage to the carpeting caused by a water pipe burst.