MONDAY, FEBRUARY 20, 2023
A homeowners insurance policy includes multiple coverages to protect you and your home financially. One of these coverages is dwelling insurance. Dwelling insurance can help cover your home’s structure, including its fixtures and attached appliances. It does not cover the land or the personal belongings inside. Dwelling coverage can help pay to replace or rebuild your home if a covered incident, such as a house fire, a tornado or falling trees, damage it.
What Is the Difference Between Dwelling Coverage and Home Insurance?
Home insurance and dwelling insurance are not the same things. Dwelling coverage is simply one part of a home insurance policy. It would be rare to have one and not the other.
How Much Dwelling Insurance Do I Need?
Your dwelling insurance coverage should account for how much it would cost to rebuild your home. To estimate this cost, you can consult a local home construction company or real estate agent to get information about current building costs. You should also consider your home’s construction materials and unique features, such as the following:
- Number of bathrooms
- Exterior façade
- Type of roof and roofing materials
- Fireplaces
- Crown molding
- Custom cabinetry
- Appliances
It’s critical to speak with a trusted insurance provider to help ensure you have the necessary dwelling coverage for your specific situation.
What Does Dwelling Insurance Cover?
Dwelling coverage protects all structural elements and any attached structures, which can include the following:
- Foundation
- Frame
- Flooring
- Windows
- Fireplace chimneys
- Roofing
- Plumbing, electrical and HVAC systems
- Built-in fixtures (e.g., cabinets, sinks, bathtubs, showers, etc.)
- Attached garage
- Porches
- Back deck
- In-ground swimming pool
Dwelling Insurance in Reno, NV
If you’re interested in learning more about homeowners insurance and dwelling coverage, contact RCS Insurance or get an instant quote online. We have been helping customers in the Reno area with all their insurance needs since 1958. We look forward to hearing from you!
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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