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Dwelling Coverage

What is dwelling coverage?

What is dwelling coverage?

Dwelling coverage, also known as coverage A or residence coverage is the portion of your homeowners insurance policy that protects the physical structure of your home from covered hazards like burning to the ground, getting destroyed by a hurricane, or being crushed by a fallen tree. It helps pay to rebuild your home, making it one of the most important parts of your policy.

What parts of my home are protected by dwelling coverage?

Dwelling coverage protects things like: 

  • Foundation

  • Frame, walls, flooring and windows

  • Roof

  • Fireplace and chimney

  • Plumbing, electrical, and HVAC systems 

  • Built-in fixtures like sinks, tubs, showers and cabinets

  • Built-in appliances like your furnace and possibly water heater 

  • Attached garage

  • Porch and deck

How much dwelling coverage do I need?

How much dwelling coverage you need depends on how much it would cost to rebuild your home at today's construction and labor prices. It is not based on your home's market value, which is how much buyers are willing to pay for it on the real estate market. Some factors that may affect the estimated cost to rebuild are:

  • Cost of construction and labor in your area

  • Your home's square footage

  • Age of your home

  • Number of rooms

  • Architectural style

  • Number of stories

  • Recent renovations 

  • Special features in your home

What is typically covered by dwelling insurance?

According to the Insurance Information Institute, there are certain hazards, or perils, that are covered by most standard homeowners insurance policies. While coverage can vary from state to state or from one geographical region to another, homeowners policies typically help cover damage from the following events:

  • Fire/smoke

  • Lightning strikes

  • Windstorms

  • Hail

  • Explosion

  • Vandalism

  • Theft

  • Damage caused by the weight of snow, sleet or ice

  • Falling objects

  • Damage from an aircraft

  • Damage from a motor vehicle

While these hazards are typically covered by dwelling insurance, you should always check your own home insurance policy to be sure of what it covers 

Learn more about other coverages

Personal Property Coverage

Learn More

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