dwelling (home structure) coverage

Dwelling coverage is the part of a homeowners insurance policy that may help pay to rebuild or repair the physical structure of your home if it's damaged by a covered hazard.

Your house and connected structures, such as an attached garage, are typically protected by dwelling coverage. Some commonly covered risks include fire, windstorms and vandalism.

Read your policy to learn what your dwelling coverage may help protect.

It's also a good idea to be familiar with your coverage limit and deductible, and make sure they fit your current needs.

Your limit is the maximum amount your homeowners insurance will pay toward a covered loss. Your deductible is the amount you'll pay out of pocket before your insurance will kick in to help cover a loss.

Finally, be aware of what homeowners insurance does not cover. A standard homeowners insurance policy typically doesn't cover damage caused by floods, earthquakes, sewer backups or damage resulting from unresolved maintenance issues.

You may be able to purchase separate coverage to help protect your home from these risks. Your local agent can help you review your dwelling coverage and other options that may help protect your home.