Dwelling Insurance and Its Coverage’s

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Dwelling Insurance and Its Coverages

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Dwelling Insurance

• Dwelling coverage is a part of a home insurance
  policy and sometimes it is also known as Dwelling
  Insurance. This policy also help to rebuild and
  repair the building if the building may be
  damaged by covered hazards. In other words, this
  coverage protects the home where the person
  (Insured) lives with an attached structure like a
  garage or a porch with some added coverages.

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Dwelling Insurance Coverage

• There are various hazards that are covered by
  most homeowner insurance policies. So coverage
  can change from to state and may also depend on
  geographical state factors.

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Exclusions under Dwelling Insurance

• These are some exceptions that are not considered
  under the dwelling insurance policy or homeowner
  policy. A standard homeowner policy normally does
  not cover flood, earthquake, sewer backup, and
  damage that occur with lack of maintenance.
  Insured must have to take additional coverage to
  cover up these additional perils. For example,
  Water backup coverage covers the sewer backups
  and flood insurance coverage covers the home from
  flooding.

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Factors that impact the replacement cost

• The coverage amount should be enough to pay for
  rebuilding the house and its attached structure
  if the home is completely destroyed with covered
  perils. The replacement cost of the house will
  depend on a number of factors
• Cost of construction and labor in the specific
  area.
• Homes Square footage
• Any custom-built feature
• The style of house

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