The dwelling extension (typically 10% of the limit on your dwelling) covers other structures on your premises. This would include your detached garage, fence, gazebo, child's treehouse, well pumphouse, etc. Land (dirt) is not covered by your homeowner's policy.
An insurance premium is the amount of money paid on a periodic basis for insurance of a given kind. The kind of insurance involved does not alter the definition of the term "premium". Therefore, a life insurance premium is an incremental amount paid for life insurance, and a non-life insurance premium is an incremental amount paid for another kind of insurance.
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