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What Is Dwelling Insurance Coverage?

Updated: October 2019

Dwelling coverage, sometimes called "dwelling insurance," is the part of your homeowners insurance policy that may help pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Here's a look at what dwelling insurance covers, what types of perils and structures are not covered, and how deductibles and limits work if you have to make a claim on your dwelling insurance.


Video Transcript

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.

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What is covered by dwelling insurance?

According to the Insurance Information Institute, there are certain hazards, or perils, that are covered by most standard homeowners insurance policies. While the coverage can vary from state to state or from one geographical region to another, homeowners policies typically help cover damage from the following events:

  • Fire/smoke
  • Lightning strikes
  • Windstorms
  • Hail
  • Explosion
  • Vandalism
  • Theft
  • Damage caused by the weight of snow, sleet or ice
  • Falling objects
  • Damage from an aircraft
  • Damage from a motor vehicle

While these hazards are typically covered by dwelling insurance, you should always check your own homeowners insurance policy to determine what it covers.

What is not covered by dwelling insurance?

A standard homeowners insurance policy typically does not cover floods, earthquakes, sewer backups or damage that occurs from a lack of maintenance. You may be able to buy additional coverage or a separate insurance policy to help cover some of these additional perils. For example, you may be able to add water backup coverage to your existing homeowners insurance policy to help cover sewer backups. Or, you may be able to buy flood insurance to help protect your home against flooding. Talk to your insurance agent to find out what options are available to you.

The dwelling coverage in a homeowners policy is different than the building property protection in a condo insurance policy. If your condo is damaged by a covered peril, building property protection helps pay for repairs to the walls of your condo unit and its interior. Your condo association's insurance policy may help cover other parts of the building, such as the roof, elevator, basement, courtyards or walkways.

What is your dwelling?

Although a lot of people think of their dwelling as just the physical structure that they live in, dwelling coverage may help protect more than that. Dwelling insurance typically helps cover the home you live in plus attached structures. What this means is that a structure like your garage may also be covered by dwelling insurance, as long as the garage is attached to your house.

If damage to an attached structure occurs as the result of a covered hazard, your homeowners insurance may help cover the costs to repair or rebuild it. If it's attached to your home, a deck or front and back porch may also be considered a part of your dwelling, and therefore may be covered by the dwelling coverage in your homeowners insurance policy.

Insurance for structures not covered by dwelling coverage

If you have a structure on your property that isn't connected to your home and doesn't qualify as part of your dwelling — like a detached garage, fence or shed — it is likely not protected by dwelling coverage. Instead, the other structures coverage on your homeowners insurance policy may help cover damage to these detached structures on your property.

Dwelling coverage limits and deductibles

Dwelling coverage is usually subject to limits and deductibles

Your limit is the maximum amount that your homeowners insurance policy will pay toward a covered loss. Your deductible is the amount you'll pay out of pocket toward a covered claim.

When you buy homeowners insurance, you choose your dwelling coverage limit. That limit should be based on the cost of rebuilding your home (not necessarily the market value of the home). Most home insurance policies come with replacement cost coverage for the structure of your home.

Your dwelling coverage limit may influence other coverage limits within your home insurance policy. Your other structures coverage limit is typically a percentage of your dwelling coverage limit — 10 percent, for example. So, if you had a dwelling coverage limit of $500,000, your other structures coverage limit would be $50,000.

Read your policy documents to learn what your limits and deductibles are. Your insurance agent can help you adjust them to fit your needs.

You probably don't expect your home to be damaged, but in the event that the unexpected occurs, dwelling coverage may help pay for repairs. Contact a local agent for more information about dwelling coverage and other ways homeowners insurance may help offer protection.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.
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