Coverage A: Dwelling

Dwelling coverage protects against damage to your house and any permanent structures on your property.

All About Dwelling Coverage

To help you get the most comprehensive homeowners insurance policy possible, we first need to start with protecting the physical structure of the home itself. This is where dwelling coverage, or Coverage A, comes into play.

Dwelling coverage is the primary aspect of your homeowner’s insurance policy that covers most instances of damage or destruction to your house or attached structures such as a garage or an addition to your home built during a home remodel.

While there are some rare cases where certain damages may be excluded on your insurance policy, you can rest assured knowing that most home repairs and rebuilding costs will be paid by your dwelling coverage for all covered incidents.

What’s covered?

Coverage A can cover most common events, such as:

Fire or smoke

Hurricane

Hail

Lightning

Explosion

Water damage caused by burst pipes

Theft

Vandalism

Falling objects

Weight of ice, snow, or sleet

Impact by aircraft or land vehicle

Riots

How much Coverage A do I need?

The Coverage A limit of a homeowners policy is determined by the cost to rebuild the home at today’s prices in the event of a covered loss. Factors such as building cost, materials, and labor factor into the Coverage A limit at the time the policy is purchased.

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Coverage A limits are not to be confused with market value calculations or real estate pricing, as these numbers are often arbitrary and based on what someone is willing to sell or buy a home.

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To determine your homes Coverage A limit, your agent will need to complete an industry estimate which will take into consideration the following: