DWELLINGS

Dwelling insurance is part of your homeowners insurance policy that may help pay for the rebuilding or repair of the structure of your home. In order to properly insure your dwelling, you need to know what type of dwelling you have.   

Dwelling coverage may help protect more than just the structure you live in. Dwelling coverage typically helps protect not only the home you live in, but any attached structures as well. If damage were to occur to a porch or attached garage as a result to a covered hazard, then your homeowners insurance may help to cover the cost of repairing or rebuilding the structure.    

 While coverage can vary from state to state, most homeowners policies typically cover the following:

• Windstorms
• Hail
• Fire/Smoke
• Theft
• Vandalism
• Lightning Strikes
• Falling Objects
• Review Policy with Agent (Check inclusions and exclusions pages)

Most standard homeowners insurance policies do not typically cover earthquakes, floods, sewer backups or damage that occurs from a lack of regular maintenance.