Homeowners InsuranceHomebuying Glossary
Dwelling Coverage
The part of your policy that pays to repair or rebuild your home's physical structure.
In plain English
Dwelling coverage insures the structure of your home itself — walls, roof, built-in systems — against covered perils like fire or wind, up to your policy's stated limit.
Why it matters
Your dwelling coverage should reflect what it would actually cost to rebuild your home today, which isn't always the same as its market value.
Where you'll run into it
Guides and tools on TheBuyingPath that cover dwelling coverage in context.
Related terms
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