What is Dwelling Coverage in Home Insurance?

If you've taken a look at your homeowner's policy recently you might be wondering - what is dwelling coverage?

Time to learn the ABCs of coverage, starting with Coverage A (Dwelling coverage).

Coverage A

Coverage A is the part of your insurance policy which dictates coverage on the physical structure of your home. It provides coverage on the dwelling on a property for certain perils.

This is important because your homeowner's policy is a mixture of various coverage schedules from A to F, each establishing the rules of coverage for different things.

Your dwelling coverage is the set of rules specific to the main house structure and attachments (such as decks or porches). It also includes plumbing, heating and permanently installed fixtures like cabinets.

It will not dictate the coverage for the items inside your house, like personal belongings. Those are under Coverage C or for other structures on your property like a shed or trees - which are considered Coverage B.

It's important to read your insurance policy carefully so you understand the rules that dictate your coverage for each aspect of your property.

If you have coverage questions, it's always best to reach out to your insurance agent. And if you don't have an agent, consider finding a Foremost insurance agent near you or giving us a call at 888-244-8092.

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