Dwelling typically covers the house and attached structures. Detached sheds and fences often fall under other structures. Flood and earth movement may be excluded — read exclusions before storm season.
Dwelling Coverage
- What it means
- The part of a homeowners policy that may help repair or rebuild the residence structure after a covered peril.
- Tennessee example
- Hail shreds shingles on a Clarksville ranch; dwelling coverage is the limit that relates to repairing the roof and related structure — subject to deductible and terms.
- Why it hits your wallet
- Dwelling limit should track rebuild cost in your market, not purchase price or tax assessment.