What Is Dwelling Coverage In Homeowners Insurance?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Dwelling coverage is also known as Coverage A in most homeowner’s policies.  The company is obliged to pay for damages sustained to your residence up to the limits of the policy, subject to the stated deductible.  It pays these damages if they are caused by a “peril” that is identified in the policy.  Fire is the most commonly identified peril.  Many additional perils can be included in the policy but not every peril will be covered.  The most notable exceptions to coverage are earthquake and flood.  These perils are generally not included except by endorsement.
    Answered on May 5, 2014
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