semi-detached dwelling means a building divided vertically into two dwelling units each of which has a separate entrance and access to grade;
single detached dwelling means a completely detached Building containing only one Dwelling Unit;
Detached building means any building which is not physically connected to the dwelling.
single detached dwelling unit means a residential building consisting of one dwelling unit and not attached to another structure;
Annual Earnings means your gross annual income from your Employer, not including shift differential, in effect just prior to the date of loss. It includes your total income before taxes. It is prior to any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan or flexible spending account. It does not include income received from commissions, bonuses, overtime pay or any other extra compensation or income received from sources other than your Employer.