Dwelling Coverage (Coverage A)
The portion of a homeowners policy that pays to rebuild or repair the home's physical structure after a covered loss.
Quick answer
Dwelling Coverage (Coverage A): The portion of a homeowners policy that pays to rebuild or repair the home's physical structure after a covered loss. Typical cost: Drives most of the premium; based on rebuild cost not market value..
Why it matters
Underinsured dwelling coverage is the #1 claims disaster after a total loss; rebuilding costs are usually 10–30% above market value.
Typical cost
Drives most of the premium; based on rebuild cost not market value.
Pros
- • Core of every HO policy
- • Extended replacement endorsements available
Cons
- • Often set too low at original closing and never updated
Common uses
- • Every homeowners policy
Alternatives
Guaranteed replacement cost endorsement
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Frequently asked questions
- How much dwelling coverage do I need?
- Match it to local rebuild cost — typically $150–$350 per sq ft, not your purchase price.
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