In a homeowners policy, what is typically covered under dwelling coverage?

In a homeowners policy, dwelling coverage specifically refers to the protection provided for the physical structure of the home and any attached structures, such as a garage or porch. This coverage is crucial because it helps to ensure that the primary residence itself is protected against various perils, including fire, theft, wind damage, and vandalism, among others.

Dwelling coverage typically does not extend to personal belongings or furniture, which are usually covered under a separate part of the policy known as personal property coverage. Landscaping and outdoor furniture also fall outside the scope of dwelling coverage, as they are typically covered under a different section or may have limited coverage. Liability protection for injuries occurring on the property is completely separate and falls under liability coverage within the homeowners policy.

Understanding that dwelling coverage focuses solely on the structural aspects of the home helps policyholders grasp the overall framework of their homeowners insurance and make informed decisions regarding their coverage needs.