Covered A coverage is dwelling insurance. If your home is damaged by a covered peril, the dwelling coverage may help pay to repair, rebuild, or replace your home back to its physical structure. Dwelling coverage is included in every homeowners or condo policy, and because your home is the most important asset, this coverage is the essential of home insurance, yet most commonly misunderstood by many consumers. Dwelling coverage covers the house, an attached garage, countertops, flooring, and built-in appliances. Dwelling coverage also protects attached deck, verandas or screened-in porches, chimneys, and permanently installed building materials like vanities, flooring, ceilings, cabinets, etc. Structures that are detached such as garages, sheds, barns, guest houses, fences, and other items like swimming pools and gazebos are not included.
These as mentioned above, are categorized as “other structures” under your coverage. Dwelling insurance covers perils like fire, hail or windstorms, lightning strikes, explosions, falling objects, damages by motor vehicles, and theft and vandalism. Flood damage is not covered under dwelling coverage, so make sure to speak with someone on our team to discuss flood insurance coverage to protect against sewer backups, earthquakes, and accidents occurring from lack of maintenance.