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Beyond the Walls: What is Dwelling Coverage and How Much is Enough?

Dwelling coverage is the portion of your homeowner’s insurance that protects the physical structure of your home from common hazards. This includes not only the livable area of your house, but also attached structures like your deck, porch or garage. Since it covers anything that’s considered to be legitimately part of your home’s structure, it also covers things like built-in appliances. However, when it comes to unattached features, dwelling coverage does not apply. As a simple rule of thumb for dwelling coverage, if a feature is not part of your home’s structure, it’s not covered.

Dwelling Coverage