Get a quote in. By clicking log in you agree to texting terms and conditions. Dwelling coverage, sometimes called "dwelling insurance," is the part of your homeowners insurance policy that may help pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard. Here's a look at what dwelling insurance covers, what types of perils and structures are not covered, and how deductibles and limits work if you have to make a claim on your dwelling insurance.
Dwelling coverage is the part of a homeowners insurance policy that may help pay to rebuild or repair the physical structure of your home if it's damaged by a covered hazard. Your house and connected structures, such as an attached garage, are typically protected by dwelling coverage.
Some commonly covered risks include fire, windstorms and vandalism. It's also a good idea to be familiar with your coverage limit and deductible, and make sure they fit your current needs. Your limit is the maximum amount your homeowners insurance will pay toward a covered loss.
Your deductible is the amount you'll pay out of pocket before your insurance will kick in to help cover a loss. Finally, be aware of what homeowners insurance does not cover. A standard homeowners insurance policy typically doesn't cover damage caused by floods, earthquakes, sewer backups or damage resulting from unresolved maintenance issues.
You may be able to purchase separate coverage to help protect your home from these risks. Your local agent can help you review your dwelling coverage and other options that may help protect your home. When it comes to protecting your home, quality coverage makes all the difference. Allstate home insurance can help take care of what matters to you. According to the Insurance Information Institute , there are certain hazards, or perils, that are covered by most standard homeowners insurance policies.
While the coverage can vary from state to state or from one geographical region to another, homeowners policies typically help cover damage from the following events:. While these hazards are typically covered by dwelling insurance, you should always check your own homeowners insurance policy to determine what it covers.
A standard homeowners insurance policy typically does not cover floods, earthquakes, sewer backups or damage that occurs from a lack of maintenance. This is the part of your policy that protects you from financial losses stemming from damages or destruction to your dwelling as the result of a covered peril. This also includes structures attached to your home such as the porch, deck or garage.
Replacement cost means the amount of money it would take to rebuild your home to the condition it was before the loss occurred. Covered perils include damages from:. You may be able to purchase additional coverage for floods, earthquakes, and water back-ups. However, you should review your policy to see what is covered. Generally dwelling coverage limits should allow you to rebuild your home or condo back to how it was before it was damaged by a covered peril.
Your estimate should be based on today's prices. To estimate, you can use your local market's average cost to rebuild per square foot and multiply times your home's square footage. You may also need to add an additional amount for cabinets, appliances, or special upgrades you have in your home.
Do not include upgrades or additions you would like to make to the structure in this amount. You would not use the purchase price or the current market price to determine the limits. You will also need to select a deductible for this coverage. This is the amount you will be responsible for paying in the event of a covered loss.
We're here to help. If you have any questions or just want to chat, call our licensed agents at We'll help you get the coverage you need and answer any question you may have. You can also get a free online home insurance quote or condo insurance quote today.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance.
We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also ring us by phone. If you suffer a major loss and it turns out your insurer set your limits too low, this endorsement is designed to bridge the gap.
Replacement cost endorsements are sold as percentage amounts above your stated dwelling limits. Shop around for this important protection. A replacement cost endorsement that increases your dwelling limits may not also increase your contents limits.
Most insurers sell a replacement cost endorsement that only increases dwelling limits. A few insurers sell a policy that allows both dwelling and contents limits to increase. This can be a problem because it always takes longer to rebuild than you anticipate, especially in a disaster area.
If your insurer only offers 12 months of ALE, consider switching to a competitor.
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