Dwelling insurance, also known as dwelling coverage, is a part of a standard homeowners insurance policy that covers the physical structure of your home and specific perils that can damage your property. It helps pay for the rebuilding or repair of the physical structure of your home if its damaged by a covered hazard. The following are typically covered by dwelling insurance:

• The house you live in and anything attached to the structure itself, such as a garage, deck, or porch.
• Built-in appliances.
• Interior and exterior walls, the roof, and permanently attached fixtures like kitchen cabinets.

Dwelling insurance covers damages from specific perils such as fire, smoke, lightning strikes, wind storms, hail, falling objects, vandalism, theft, damage from an explosion, damage from a motor vehicle, and damage from a blizzard or snow, sleet, or ice. However, it does not cover damages from floods, earthquakes, or sewer backups. Detached structures such as a separate garage, toolshed, pool, and fences are typically not covered.

It is important to note that dwelling insurance is different from home insurance, which covers the surrounding land and detached buildings on the property around your home.