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Dwelling Coverage

What Is Dwelling Coverage?

Dwelling coverage is the type of insurance that protects the physical structure of your residence, like the walls and the roof. Other structures coverage can help protect other structures on your property, like a shed or detached garage.

An Allstate agent can answer your questions about dwelling coverage and help you understand what's covered.

Determining How Much Dwelling Coverage To Get.

Figuring out how much dwelling coverage to include on your home insurance policy will depend on the cost of rebuilding your home. Consider purchasing coverage at least equal to the estimated replacement cost of your home, in other words, the amount it would take to rebuild your home with similar materials. As construction costs change, the amount it costs to rebuild your home after a loss could also change.

Talking to an agent can help you determine how to account for changes in the replacement cost of your home and how much dwelling coverage to choose for your policy.

Different Properties Require Different Protection.

Allstate offers specific policies for different property types like single-family homes, apartments, condos and mobile homes. The way each structure is insured varies, and it's important that you have coverage tailored to the place you live. Learn more about renters insurance, condo insurance, mobile home insurance and even landlord insurance.

What Is Typically Covered?

A standard homeowners policy typically covers many types of unfortunate and unexpected events, such as fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion and vandalism. When you purchase a home insurance policy, it should contain a detailed description of your home's structure and what's included in your coverage. Your agent can also help you understand what your policy covers and answer questions you may have about home insurance limits and deductibles.

What Is Not Usually Covered?

When you purchase a home insurance policy, it should contain a detailed description of what the policy does not cover. Protection from damage caused by floods and earthquakes is usually excluded from most home insurance policies. You may be able to purchase a separate flood insurance policy or an earthquake insurance policy to help safeguard your home. Your agent can also help you understand what your policy does not cover and answer any questions you may have.

Protection Beyond Your Standard Homeowners Coverage.

You can choose optional coverage that offers protection beyond your standard homeowners coverage to help you protect your home, your belongings and your family.

Find an agent for more information about dwelling coverage and home insurance protection.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

Flood insurance available from the National Flood Insurance Program (NFIP).

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