A Short Guide To Dwelling Insurance

Dwelling insurance, otherwise known as dwelling coverage, is a type of insurance coverage that falls under your homeowner’s insurance policy. It can pay for the rebuilding or repair of the physical structure of your home if it is damaged by a covered event.

What Hazards Are Covered By Dwelling Insurance?

Dwelling insurance can provide financial protection from a variety of hazards that can inflict serious damage on the structure of your home. The hazards covered by dwelling insurance can vary a bit depending on the state or geographical region you live in, but most homeowners can expect protection against the following risks:

  • Fire
  • Smoke
  • Lightning
  • Windstorms
  • Explosion
  • Hail
  • Vandalism
  • Damage from a motor vehicle
  • Damage from an aircraft
  • falling objects
  • Theft
  • Damage caused by snow, ice, or sleet

What Hazards Are Not Covered By Dwelling Insurance?

While dwelling insurance can offer protection from a variety of different risks, there are some things that are not covered. Dwelling insurance typically does not cover floods, earthquakes, sewer backups, or damage caused by a lack of maintenance. If you want coverage that can protect you from these risks, you will need to purchase a separate policy.

Dwelling insurance can offer significant protection against a lot of common risks. You can obtain it today as part of a homeowner’s insurance policy.