Dwelling coverage, sometimes called “dwelling insurance,” is the part of your homeowners insurance policy that helps to pay for the rebuilding or the repair of the physical structure of your home if it’s damaged by a covered hazard.
Dwelling insurance covers certain and specific perils, hazards that can damage your home or the cause of loss. Despite the name, dwelling fire policies actually cover more than just fire- and smoke-related damage. You also might get protection against hazards like explosions, vandalism and even wind damage. But unlike a typical home insurance policy, which covers everything except for listed exclusions, a dwelling insurance policy covers nothing except listed hazards.
Insuring Structures Not Covered by Dwelling Coverage: If you have a structure on your property that isn’t connected to your home and that doesn’t qualify as part of your dwelling — like a guest house, a detached garage or a shed in your back yard — it is likely not included in your dwelling coverage. You can look into getting additional coverage for these structures—sometimes referred to as “other structures protection”—through your insurance provider.
How to buy dwelling fire insurance at our office
When visiting our office, please provide:
1. Applicant Name, phone number
2. Address of the house that you want to buy dwelling insurance
3. Old Dwelling Policy and old policy price (if applicable)
Source: Mapfre, Travelers Websites