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Protect the foundation of your home

What is not covered under a dwelling policy?

A standard homeowners insurance policy typically does not cover floods, earthquakes, sewer backups or damage that occurs from a lack of maintenance. You may be able to buy additional coverage or a separate insurance policy to help cover some of these additional perils.

Here's a quick explanation of dwelling coverage?

It covers your home's structure —not its contents or land. Features like installed fixtures and permanently attached appliances are also covered. You can select enough dwelling coverage to rebuild your home at today's prices.


Is a deck part of a dwelling?

Your dwelling includes the house you live in and anything attached to the structure itself, such as a garage, deck or porch. It also includes any built-in appliances you may have.

dwelling (home structure) coverage

What risks does your policy cover?

It depends where you live. A standard homeowners insurance policy covers damage to your home and your property caused by various perils. A typical home  insurance policy will typically help pay to repair damage caused by certain risks or perils, including:

  • An aircraft, car or other vehicle 
  • Explosions 
  • Falling objects 
  • Lightning strikes 
  • Vandalism and malicious mischief   
  • The weight of ice, snow and sleet 
  • Theft
  • Fire and smoke
  • Windstorm or hail
  • Frozen plumbing
  • some types of water damage
  • Water damage from plumbing, water heater, appliances and heating or cooling systems