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All About Dwelling Coverage

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Under the standard home insurance policy umbrella, there are six types of coverages that they include: Dwelling, Loss of Use, Medical Payments, Other Structures, Personal Liability, and Personal Property. In this blog post, we will focus on dwelling coverage, what it is, what they provide, and their limitations. Hopefully after reading this, you will be able to use this information to help you find the best homeowners insurance California has to offer.


What is Dwelling Coverage?

In your home insurance policy, dwelling coverage (or Coverage A) covers rebuilding and repairing costs for your home in situations where it is damaged or destroyed by a natural disaster. Keep in mind that this coverage does not include protection against earthquakes and floods, but more on that later.


What does Dwelling Coverage include?

As mentioned previously, dwelling coverage is there to provide your home (and additional attachments to your home) protection against many natural disasters like fire, hail, lightning, wind, and more. Additional attachments to your home may include a built-in appliance, deck, garage, porch, etc., just as long as it’s a part of your home. If you have a sufficient amount of dwelling coverage, it should be able to cover the amount you need to repair your home. For example, if a section of your home and the wooden porch attached to your home is destroyed by a fire, dwelling coverage will cover the rebuilding and repairing costs for your home and porch.


What is NOT included in Dwelling Coverage?

Discussed briefly in a previous section, if your home is located where it is prone to earthquakes and/or floods, dwelling coverage will not cover it. Therefore, it is ideal to have additional insurance policies designated for those earthquake/flood accidents. In addition, structures that are on your home property but are detached from your home, like a detached garage, fence, pool, etc., are not covered in this policy. In that case, it is ideal to look for another policy like, Other Structures, to provide protection for those other structures on your property. For example, if your home and detached garage gets severe damages from a hail storm, dwelling coverage will only cover rebuilding or repairing costs for your home, while your other structures coverage will cover your costs for your detached garage.


To have a better grasp on what exactly is protected in your dwelling coverage, make sure to discuss with your agent and read your homeowners policy carefully. We hope that you have a better understanding of what dwelling coverage is and what it does and doesn’t cover. To find the best homeowners insurance California based company, feel free to reach out to a Get-A-Quote professional. Get-A-Quote is a great insurance shopping tool to help you find a quote for the insurance you need. Don’t be shy, give us a try!


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