Dwelling Coverage
/DWEL-ing KUV-uh-rij/
Insurance that covers the structure of your home.
Definition
Dwelling coverage (Coverage A) pays to repair or rebuild your home's physical structure if damaged by covered perils like fire, wind, or hail. It includes walls, roof, built-in appliances, and attached structures like a garage. Coverage should equal your home's rebuilding cost, not market value.
Example
After a fire destroyed part of their home, dwelling coverage paid $150,000 for the rebuild.
More Home Insurance Terms
Coverage for your belongings inside your home.
Coverage for structures not attached to your home.
Pays living expenses if you can't stay in your home.
The cost to replace property with new items of like quality.
Covers injuries to others that occur on your property.
Covers minor injuries to guests regardless of fault.
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