Dwelling Insurance FAQ

Dwelling insurance protects the structure of your home-including walls, roof, foundation, and attached fixtures like garages or decks-from covered risks such as fire, wind, hail, lightning, or vandalism. It does nottypically cover your personal belongings or detached structures unless added as part of a broader homeowners policy.

Not sure if your policy offers full dwelling protection? Contact our team for a policy review.

Not exactly. Dwelling insurance is one part of a standard homeowners insurance policy. It specifically covers the physical structure of your home, while homeowners insurance includes additional coverage for liability, personal property, and additional living expenses.

If you only have dwelling insurance (common with landlords or rental property owners), you may need other coverage. Reach out to us to make sure you're fully protected.

Dwelling insurance generally does not cover:

• Flood or earthquake damage (requires separate policies)
• Routine wear and tear
• Maintenance issues
• Mold or pests
• Personal property inside the home

We always advise reviewing the exclusions section of your policy. Call us if you'd like help understanding what is and isn't covered-and what options you have to close any gaps.

Yes! Even without a mortgage, protecting your home's structure is essential. Rebuilding a home after a fire or storm can cost hundreds of thousands of dollars. Without insurance, you'd be responsible for all of it out of pocket.

Contact us to get a quote or ensure your current coverage still meets your home's needs.

You need enough coverage to rebuild your home from the ground up using today's construction and labor costs-not the home's market value. This amount is called the replacement cost.

We can help calculate this number accurately. Reach out to us directly-we'll walk through it together.

Not usually. Standard dwelling coverage only applies to the main structure of the home. Coverage for detached garages, fences, or sheds is typically added under "Other Structures" coverage.

If you're unsure whether these structures are covered, give us a call. We'll help you find out and adjust your policy if needed.

It depends. Sudden and accidental water damage-like from a burst pipe-is usually covered. But water damage from flooding, sewer backups, or long-term leaks is often excluded.

To know for sure, check your policy or contact us directly. We'll help you understand your protection and suggest additional endorsements if needed.

Yes, you can request a change at any time, especially if you've renovated, added on to your home, or made major upgrades.

To ensure your policy reflects your home's current value and features, contact our office. We'll review your dwelling coverage and update it as needed.

• Actual Cash Value (ACV) pays out the depreciated value of your home after a loss.
• Replacement Cost pays what it would cost to rebuild your home brand new.

Replacement cost offers much better protection. Want to know which one you have? Reach out to us and we'll review your current policy.

If your home is damaged:

• Document the damage with photos or video
• Prevent further damage if possible
• Call us right away-we'll guide you through filing the claim and advocate on your behalf

Don't go straight to the carrier-let us help first to ensure everything is handled correctly.