What does dwelling coverage typically include?

Dwelling coverage typically includes coverage for the house itself along with any attached structures, such as a garage or deck. This type of coverage protects the physical structure of the home against risks such as fire, wind damage, and vandalism. It's important for homeowners to understand that this coverage is specifically designed to cover the buildings and structures on the property but does not extend to personal belongings or other items not attached to the house.

Other options refer to different types of coverage. For example, coverage for only the land the house is built on would not provide protection for the home itself, while liability coverage addresses injuries that might occur on the property, and additional living expenses pertain to costs incurred if a homeowner must temporarily relocate due to damage. Each of these options serves distinct purposes and handles different risks, but dwelling coverage specifically focuses on the structures associated with the residence.