What is Dwelling Insurance?

Dwelling insurance, also called Coverage A, is a home insurance policy that can pay for the cost of reconstructing or repairing your home’s physical structure in the event of a covered loss.

Is Dwelling Insurance Different From Homeowners Insurance?

There are a few differences between dwelling insurance and homeowners insurance. Dwelling insurance provides much less personal property coverage; it only covers the home’s physical structure. Homeowner’s insurance policy is more comprehensive; it covers the physical structure and the contents inside the house.

What Does Dwelling Insurance Cover?

Dwelling insurance covers damages to your home’s physical structure. Common risks that dwelling insurance cover includes: 

  • House fires
  • Falling objects
  • Severe weather
  • Lightning strikes
  • Tornadoes
  • Explosions
  • Vandalism/theft

What Isn’t Covered?

While dwelling insurance can protect your home in many ways, there are some instances where you won’t be covered unless you get additional coverage. Dwelling insurance will not cover:

  • Flooding
  • Earthquakes
  • Intentional loss
  • Nuclear accidents
  • Government acts
  • Detached Structures

How Much Dwelling Insurance Coverage I Need?

First, you need to know the amount it would cost you to rebuild your home before determining how much dwelling insurance coverage you should purchase. The amount is not the same as your mortgage or home appraisal. You need to know the current construction, labor, and materials costs. If your home can have unique features that can affect how much it costs as well

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