What Is Included in Dwelling Coverage?

Dwelling coverage forms a foundational component of a homeowner’s insurance policy, specifically designed to protect the physical structure of your house. It serves as a financial safeguard for what is often an individual’s most substantial asset, providing a layer of security against various covered perils. This coverage helps ensure that if damage occurs to the home itself, the homeowner has the means to repair or rebuild.

Components of the Main House

Dwelling coverage primarily focuses on the core physical building of your home. The walls, both interior and exterior, are central to this coverage, encompassing the framework and finishing materials. The roof, which shields the entire structure from external elements, also falls under dwelling coverage. The foundational elements of the house, including the foundation itself and the floors, are covered as they are integral to the building’s stability. Ceilings and internal load-bearing structures, which support the upper levels and roof, are also considered part of the main house. Additionally, permanently installed items such as windows and doors, which are built into the home’s structure, are typically included.

Attached Structures and Additions

Dwelling coverage also extends to structures physically connected to the main house, recognizing them as integral parts of the primary dwelling. These attached structures are distinct from detached buildings on the property, which are typically covered under a separate “other structures” portion of a policy. For example, an attached garage, directly built onto the home, is generally included within dwelling coverage. Similarly, decks, porches, and patios that are physically connected to the main house are typically considered part of the dwelling for insurance purposes. Carports that are integrated with or directly attached to the home also fall under this category.

Built-in Systems and Fixtures

Beyond the structural elements, dwelling coverage encompasses internal systems and permanently installed fixtures that are essential for the home’s functionality and considered a fixed part of the property, generally remaining with the house if it were sold. Plumbing systems, including pipes and water heaters, are covered as they are built into the home’s infrastructure. Electrical wiring and panels, which provide power throughout the residence, also fall under dwelling coverage, as do heating, ventilation, and air conditioning (HVAC) systems, such as furnaces and central air units, due to their permanent installation and necessity for climate control. Built-in cabinets and countertops, custom-fitted into kitchens and bathrooms, are also considered fixtures, along with permanently installed appliances like built-in ovens or dishwashers, which are integrated into the home’s design and typically covered as well. This distinguishes these items from personal property, such as movable furniture or electronics, which are protected under a different part of the homeowner’s insurance policy.