Dwelling coverage is included in most standard home insurance policies. What is it, and how can it protect you? Dom from Jerry.ai has the answers.
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If you’re on the market for home insurance, it is important to understand what kind of protection you’re getting. Today we’re going to talk about “dwelling coverage,” which is part of most standard policies.
Dwelling coverage, which is sometimes called dwelling insurance, covers the cost of replacing, repairing, or rebuilding the structure of your home after most kinds of damage. That can mean the walls, the foundation, the roof — any physical part of your home and any structures attached to it. (Usually other buildings on your property that aren’t attached to your home, like a separate garage, aren’t covered by dwelling insurance.)
Certain kinds of damage, like sewer back-ups or damage from earthquakes or floods, aren’t covered by standard dwelling insurance coverage. Be sure to check with your insurance company when buying home insurance to see what your dwelling coverage explicitly covers. And remember that the amount you’ll have to pay out-of-pocket depends on the deductible you choose.