Claims & Insurance
Dwelling coverage
The part of a homeowners policy that pays for repairs to the physical structure of the insured house, including the roof, walls, floors, and attached structures. Dwelling coverage is based on the replacement cost of the home, and it does not include personal belongings or additional living expenses, which are separate coverages. When a contractor prepares an estimate after a loss, the dwelling coverage is the portion that pays for the structural repair work.
Common questions
What does "Dwelling coverage" mean in Xactimate estimating?
The part of a homeowners policy that pays for repairs to the physical structure of the insured house, including the roof, walls, floors, and attached structures. Dwelling coverage is based on the replacement cost of the home, and it does not include personal belongings or additional living expenses, which are separate coverages. When a contractor prepares an estimate after a loss, the dwelling coverage is the portion that pays for the structural repair work.
Where does "Dwelling coverage" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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