dwelling coverage

Dwelling coverage is a key part of a homeowner’s insurance policy that protects the physical structure of your home—such as the walls, roof, floors, and built-in features—against damages caused by risks like fire, storms, vandalism, or certain accidents. It helps cover the costs to repair or rebuild your home if it’s damaged or destroyed, up to the coverage limit specified in the policy. This coverage does not typically include personal belongings or other structures like fences or sheds unless specifically added. It provides financial protection to restore your home to its original condition after a covered loss.