Dwelling Coverage Insurance
Fundamental coverage for the building structure itself including structure, attached structures, and permanent fixtures.
Key Benefits
Covers building structure and permanent improvements
Includes attached structures like garages and decks
Covers permanent built-in appliances
Covers building contents you own
Usually includes debris removal
Ideal For
All property owners
Essential coverage for all investments
Mandatory by lenders
Foundation of all property insurance
Coverage Highlights
- •Main structure
- •Attached structures
- •Permanent fixtures
- •Built-in appliances
- •Debris removal
Average Cost
$400-$1,200/year base
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Dwelling limits determine replacement value (separate consideration)
Higher limits always better (need balance with actual value)
Dwelling coverage includes personal property (separate coverage)
Inflation adjustment is automatic (often not)
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