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Dwelling Coverage

Dwelling coverage pays for damage to the physical structure of your home, including the roof, walls, floors, and built-in fixtures. The limit should be based on the cost to rebuild, not the market price of the home.

Covers the physical structure of your home, including the roof, walls, floors, and built-in fixtures. Set this limit based on the cost to rebuild, not the market price. Example: a 3,500 square foot suburban home might have a market value of $750,000 but a rebuild cost of $525,000. The dwelling limit should be the rebuild number, not the listing-site estimate.