Which of the following losses is covered under Coverage A and B?

Coverage A and B typically relate to the dwelling and other structures on a property under standard homeowners' insurance policies. Coverage A generally covers the physical structure of the home, while Coverage B covers other structures that are not attached to the main dwelling, such as sheds, fences, and detached garages.

Direct physical loss to property is covered under these types of coverage because it encompasses any loss or damage that causes a physical change to the insured property. This means that if a structure is damaged due to a covered peril, such as fire, theft, or vandalism, it falls under the protection of Coverage A for the dwelling or Coverage B for other structures.

In contrast, collapse of a structure might not be covered unless specific conditions defined in the policy apply. Water damage from flooding typically would not be covered under standard homeowners' insurance and requires a separate flood insurance policy. Damage to unoccupied property could pose questions regarding coverage depending on the specifics of the description of the property and the policy's exclusions or limitations.

Therefore, the choice referencing direct physical loss to property aligns with the definitions and protections offered by Coverages A and B under a standard homeowners' insurance policy.