What does 'dwelling coverage' protect?

Dwelling coverage specifically protects the physical structure of the home and any attached structures, such as a garage or deck. This type of coverage is a fundamental component of a homeowners insurance policy, ensuring that the primary investment in the property is safeguarded against potential risks like fire, theft, vandalism, and certain types of natural disasters, depending on the policy's terms.

This coverage encompasses not only the main home's structure but may also include built-in appliances and fixtures, which are integral to the property's value. By focusing on the structural aspects of a residence, dwelling coverage is vital for homeowners because it helps ensure that they can repair or rebuild their homes if damages occur, protecting their financial investment and the living space itself.