Dwelling Coverage
Insurance protection for the physical structure of your home, including attached structures like a garage or deck.
Detailed Explanation
Also known as Coverage A, dwelling coverage is the cornerstone of a homeowners policy. The coverage amount should equal the cost to rebuild your home at current construction prices, not its market value or purchase price.
Practical Example
After Jennifer's house was severely damaged in a fire, her dwelling coverage paid for the costs of rebuilding the structure, including the foundation, walls, roof, built-in appliances, and attached garage.
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