Dwelling Coverage
Protects the physical structure of your home from covered perils like fire, wind, and vandalism.
What is Dwelling Coverage?
Dwelling coverage (Coverage A) is the foundation of your homeowners insurance policy. It covers the cost to repair or rebuild your home's structure if it's damaged or destroyed by a covered peril.
This is typically the largest portion of your homeowners insurance and should be sufficient to completely rebuild your home at current construction costs.
What Does Dwelling Coverage Include?
House Structure
Walls, roof, floors, foundation, permanently installed fixtures, and structural components.
Built-in Appliances
Built-in dishwashers, ovens, HVAC systems, water heaters, and other permanently installed appliances.
Attached Structures
Attached garages, decks, porches, and any structures physically connected to your home.
Plumbing & Electrical
Built-in plumbing, electrical wiring, and heating/cooling systems.
How Much Coverage Do You Need?
Your dwelling coverage should equal the cost to completely rebuild your home, NOT the market value or purchase price.
Replacement Cost Coverage (Recommended)
Pays to rebuild your home with materials of similar kind and quality at today's prices.
Extended Replacement Cost
Provides 25-50% more coverage if rebuilding costs exceed your limit.
Guaranteed Replacement Cost
Pays the full cost to rebuild regardless of your coverage limit (most comprehensive).
Average Cost
Annual Premium (Dwelling Portion)
$800-1,400/year
Typically 60-70% of total home insurance cost
What coverage level do you need?
Choose the protection that matches your requirements