Dwelling coverage, which is also called dwelling insurance, is a feature of homeowners insurance that helps to pay to repair or rebuild the physical structure of a house and attached structures if they are damaged by a covered peril. Standard dwelling insurance helps cover damage from hazards such as fire, hail, theft or ice.

With condo insurance, however, you'll typically only need enough coverage to repair or rebuild the interior of your unit. Repairs to the outside of the building, exterior walls, hallways, elevators, etc., would generally be the condo association's responsibility. For Allstate condo insurance, Dwelling Protection (Coverage A) becomes Building Property Protection (Coverage A). There is no coverage B Other Structures Protection for condo unit owner insurance.