Dwelling coverage is the foundation of your homeowners or condo insurance policy. It protects the physical structure of your home or unit—including the walls, roof, floors, built-in appliances, and attached structures such as garages or decks—against covered perils like fire, lightning, windstorms, hail, vandalism, and more.

Whether it’s your primary residence, a vacation home, or a condo unit, dwelling coverage helps pay to repair or rebuild your property if it’s damaged or destroyed by a covered event.

–   Primary Structure: Your home’s exterior and interior structure, including the foundation, walls, roof, windows, and built-in systems like plumbing and HVAC.

   –   Attached Structures: Garages, porches, decks, and carports that are physically connected to your home.

   –   Built-in Fixtures: Cabinets, countertops, flooring, and permanently installed appliance

–   Fire and smoke damage

–   Windstorm and hail

–   Lightning strikes

–   Theft and vandalism

–    Falling objects

–   Explosions

–   Weight of snow or ice

–   Damage from vehicles or aircraft

Note: Flood and earthquake damage are not covered under standard dwelling insurance but can be added through separate policies.

Dwelling coverage should reflect the cost to rebuild your home, not its market value. This includes:

–    Construction costs

–   Labor and materials

–   Permits and debris removal

–   Updates to meet current building codes

Your agent can help determine the right amount of coverage based on your home’s size, features, location, and construction type.

Whether it’s your primary residence, a vacation home, or a condo unit, dwelling coverage helps pay to repair or rebuild your property if it’s damaged or destroyed by a covered event.

  –   Extended Replacement Cost: Adds extra coverage above your policy limit in case rebuilding costs more than expected.

    –   Inflation Guard: Automatically adjusts your coverage limit to keep up with rising construction costs.

    –   Ordinance or Law Coverage: Helps pay for rebuilding to meet updated building codes or ordinances.

Without proper dwelling coverage, you could face significant out-of-pocket expenses to rebuild your home after a disaster. Don’t risk being underinsured—let us help you build a policy that provides true peace of mind.