What does "dwelling coverage" typically include in homeowners insurance?

Dwelling coverage in homeowners insurance specifically pertains to the protection of the home’s structure and any attached structures, such as garages or decks. This coverage is designed to safeguard the physical building from covered perils like fire, vandalism, or certain weather-related events. It ensures that if damage occurs to the main structure or any permanently attached components, the policyholder would be financially protected for repairs or reconstruction.

The focus on the home's structure differentiates it from other types of coverage offered within homeowners insurance, such as personal property coverage, which protects belongings inside the dwelling, or liability coverage, which covers claims against the homeowner for injury or damage to others. Landscaping and outdoor structures are typically covered under different parts of the policy or limits may apply. Hence, dwelling coverage is essential for securing the integrity of the property itself against significant damage.