Coverage A: Dwelling

Dwelling coverage protects against damage to your house and any permanent structures on your property.
Homeowner's Insurance - Coverage A - Dwelling Coverage

All About Dwelling Coverage

To help you get the most comprehensive homeowners insurance policy possible, we first need to start with protecting the physical structure of the home itself. This is where dwelling coverage, or Coverage A, comes into play.

Dwelling coverage is the primary aspect of your homeowner’s insurance policy that covers most instances of damage or destruction to your house or attached structures such as a garage or an addition to your home built during a home remodel.

While there are some rare cases where certain damages may be excluded on your insurance policy, you can rest assured knowing that most home repairs and rebuilding costs will be paid by your dwelling coverage for all covered incidents.

What’s covered?

Coverage A can cover most common events, such as:
Fire or smoke
Water damage caused by burst pipes
Falling objects
Weight of ice, snow, or sleet
Impact by aircraft or land vehicle

How much Coverage A do I need?

The Coverage A limit of a homeowners policy is determined by the cost to rebuild the home at today’s prices in the event of a covered loss. Factors such as building cost, materials, and labor factor into the Coverage A limit at the time the policy is purchased.

Coverage A limits are not to be confused with market value calculations or real estate pricing, as these numbers are often arbitrary and based on what someone is willing to sell or buy a home.

To determine your homes Coverage A limit, your agent will need to complete an industry estimate which will take into consideration the following:

  • Age of Home
  • Age of Roof
  • Construction Type
  • Building Materials
  • Size of Home
  • Flooring & Fixtures

Coverage options for every possibility.

We understand that every customer is unique, so we offer many additional types of coverage for you to choose from.

We approach homeowner’s insurance from all angles.

At Florida Peninsula, we offer homeowners insurance policies with comprehensive coverages you can count on when you need it most.
Homeowner's Insurance - Coverage B - Other Structures

Other structures

Coverage for physical structures that are on your property and not attached to your home.
Florida Peninsula Insurance - Coverage C - Personal Property

Personal property

Coverage for your personal belongings like furniture, clothing, jewelry, and electronics.
Florida Peninsula Insurance - Coverage D - Loss of Use

Loss of use

Coverage for expenses like renting an apartment while your home is rebuilt.