Dwelling Coverage (Coverage A)
Insurance Glossary
The part of a homeowners policy that covers the house itself, including structures attached to it such as a garage, deck or porch. The limit is meant to reflect what it would cost to rebuild at current construction prices, which is not the same as the market value or the purchase price. Several other coverages are set as a percentage of it, so the Coverage A limit drives much of the rest of the policy.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
Related Articles
Cancellation, Non-Renewal and Why a Coverage Lapse Matters
Cancellation and non-renewal are different things with different rules. Here are your notice rights, and what a gap in coverage sets in motion.
Read MoreHow Much Dwelling Coverage Do You Actually Need?
Coverage A should reflect what it costs to rebuild your home, not what it would sell for. Here is why those differ and how the limit drifts over time.
Read MoreLandlord Insurance: Dwelling Fire Forms and Loss of Rents
A homeowners policy is written for owner-occupants. Renting a property out generally needs a dwelling fire form, and the differences are substantial.
Read More