What does "dwelling coverage" in a homeowners policy protect?

"Dwelling coverage" in a homeowners policy specifically protects the physical structure of the home and any attached structures, such as a garage or a deck. This component of the policy is essential because it covers repairs or rebuilding in the event of damage due to various perils, including fire, windstorms, or vandalism.

While personal belongings within the home are indeed protected under homeowners insurance, they fall under a different section known as personal property coverage, not dwelling coverage. Liability coverage, which protects homeowners from claims related to accidents or injuries that occur on their property, is also separate from dwelling coverage. Finally, landscaping and outdoor features are typically covered under other sub-limits in a policy, not directly under dwelling coverage. This clear distinction helps homeowners understand the scope of their policy and ensures they have adequate protection for their property.