What Is Dwelling Insurance Coverage? - InsuranceGuide360.com

What Is Dwelling Insurance Coverage? Dwelling insurance coverage is a crucial aspect of protecting your home from various risks such as fire, wind, and hail damage. It safeguards the structure of your home, including attached structures like garages and decks. However, detached structures like sheds require separate coverage. Understanding the perils covered is essential, as standard policies may exclude risks like floods and earthquakes. To determine the appropriate level of coverage, consider the cost to rebuild your home, not its market value. Replacement cost coverage and actual cash value coverage are common options, each with its considerations. Review your policy details carefully to grasp coverage limits and exclusions. For more insights on dwelling insurance coverage, check out the resources from the Insurance Information Institute (III).


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