Protect the foundation of your home
Dwelling coverage, also known as home structure coverage, helps protect the physical structure of your home, like the walls and roof. It can also cover a structure that's attached to your home, like an attached garage.
Typical homeowners insurance policies don't cover damage to your structure from things like flooding or earthquakes. However, they do help cover a wide variety of other losses, including:
- Fire and smoke
Learn more about dwelling coverage
How much coverage do you need?
It's standard to have coverage that's at least equal to the amount it would cost to rebuild your home with similar materials. Keep in mind that changing construction costs could affect those amounts.