Which type of coverage is typically included in a homeowner's policy?

Dwelling coverage is a fundamental component of a homeowner’s insurance policy. This type of coverage specifically protects the physical structure of the home itself, including the walls, roof, and built-in appliances. In the event of damage from covered perils such as fire, wind, or vandalism, dwelling coverage helps pay for the repair or rebuilding of the home to restore it to its original condition.

While liability coverage, personal belongings coverage, and additional living expenses coverage are also important components of homeowners insurance, they serve different purposes. Liability coverage protects the homeowner against legal claims for injury or property damage caused to others. Personal belongings coverage safeguards the homeowner's personal possessions within the home. Additional living expenses coverage helps cover costs incurred when the homeowner must temporarily live elsewhere due to a covered loss.

In contrast, dwelling coverage is essential for ensuring that the primary residence is protected, making it a key element of a standard homeowner’s insurance policy.