Coverage A - Dwelling Coverage
Wall-to-roof protection
When a solid foundation matters, it is important to find a homeowners insurance carrier who can provide the right coverage for everything from your roof to your walls.
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Protecting the roof over your head
Protection from Top to Bottom
Coverage A - Dwelling Coverage is the foundation of a homeowner's insurance policy, designed to protect the physical structure of your home. This coverage addresses the cost of repairing or rebuilding your house should it be damaged or destroyed by a covered peril, such as a wind, lightening, vandalism, theft, fire, or hail.
Here's What's Covered
Dwelling coverage typically includes the main house, any attached structures like garages or decks, and built-in components such as plumbing, heating, and permanently installed air-conditioning systems*. For example, if a tree falls and damages your roof during a storm, or a fire engulfs part of the kitchen, Coverage A may help cover the repair or replacement costs. *Should these built-in components become damaged by something other than a covered peril, see how our Equipment Breakdown and Service Line coverage may benefit you.
How Much Coverage Do I Need?
The amount of Coverage A - Dwelling Coverage protection you need should equal the cost to completely rebuild your home at current construction prices. This is not the same as your home's market value. Your insurance agent and insurance company can get you an estimate based on your home’s age, size, style, and local building costs, ensuring you're not underinsured.
You've got questions. We've got answers
Frequently Asked Questions
Homeowners coverage may seem complicated. Each portion of your policy (coverages A - F, L & M) offers coverage for the unique features of your home. Find out more about what each section of your homeowners insurance policy covers, by reviewing our frequently asked questions or ask your agent.
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Insuring your home is one of the most important decisions you may make. Visit our carrier partner's pages to learn more about how they can meet your individual homeowners insurance needs and easily get a quote. Select one of our carrier partners below or call your agent today.