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Dwelling Coverage

Dwelling coverage is a main component of a Home Insurance policy that can help pay to repair or rebuild the physical structure of your home in the event of a fire or other covered cause of loss.

 

What is Dwelling Coverage?

Dwelling coverage can help pay to repair or rebuild your house if it is damaged by a number of different scenarios or risks. Some examples of the types of risks that may be covered include:

  • House fires
  • Severe weather
  • Falling objects
  • Vandalism/theft

Your dwelling coverage limits are based on the estimated cost of rebuilding your home. While the current market value of your home may be lower than you’d like, the cost to rebuild may be higher than you think. Over time, economic changes – such as labor or material costs – could make rebuilding more expensive than initially anticipated.

Updates, additions and improvements to your home may increase or change the amount of coverage you need. Some common home changes include: installing hardwood floors, updating a kitchen or bath or adding a deck. As a result, it’s important to periodically review your coverage. Read More

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