Dwelling Coverage

What Is Dwelling Coverage?

cobertura de viviendaBuying a home is an investment. We can help you protect it by making sure you get the right seguro de viviendas. Dwelling coverage is the part of your homeowners insurance policy that helps cover the costs to repair or rebuild your home after it’s damaged by fire, smoke, vandalism and more. This coverage helps pay costs to repair or rebuild your home if it’s damaged in a covered loss like fire, lightning or smoke. It helps protect your home and your attached structures.
With dwelling coverage, your walls, electrical wiring, plumbing, heating and air conditioning are all covered when a covered loss occurs.
Learn more about home dwelling coverage by calling us at 888-413-8970  hoy mismo.

What Is Covered by Dwelling Insurance Coverage?

So, what is dwelling coverage and what does homeowners insurance cover? Most standard home insurance policies cover damage from a variety of losses and can vary from state to state.
A few examples of what’s typically covered in a homeowners insurance policy include damage caused by:2
  • Incendio
  • Relámpagos
  • Hail
  • Vehículos
  • Smoke
  • Vandalismo
  • Robo
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water from plumbing or HVAC system
  • Congelamiento de tuberías
Dwelling insurance covers the structure of your home and its built-in features, like the:
  • Attached garage
  • Chimney
  • Front porch
  • Built-in appliances

What Is Not Covered by Dwelling Insurance Coverage?

A typical homeowners insurance policy does not help cover flood damage. That’s why you’ll need  seguro contra inundaciones to keep your home protected in case of water damage. The dwelling coverage part of your home insurance policy won’t cover structures that are detached from your home.
However, we offer other coverages to help protect your entire property. Some of these are:

What Is Considered Your Dwelling?

Technically speaking, a dwelling refers to the structure of your home and anything that is attached to it, like a porch. This definition does not include items that are not attached to the home’s structure, such as backyard sheds or detached garages.

How Much Dwelling Coverage Do I Need?

We’re often asked, “How much homeowners insurance do I need?” Honestly, the amount varies from home to home. To make sure you have the right insurance to cover your home, you’ll want to choose the amount that would allow you to rebuild and replace 100% of it if it’s ever destroyed by a covered loss.
Another potential benefit of having 100% replacement cost coverage is that if your home is a complete loss, you may be eligible for additional coverage on top of what it’s insured for. The full replacement cost coverage option pays the whole price of rebuilding your home if it’s a total loss, up to 125% of your policy limits. In some states, there is also an option providing up to 150% of coverage limits depending on where you live.
When considering the cost to replace your home, don’t mistake it for the market value of your house. We can help you determine your home’s market value vs. replacement cost.
The market value is what a buyer is willing to pay for your home and land in its current condition. Your home’s market value is also impacted by factors outside of your property, like your:
  • Location or neighborhood’s desirability (e.g., waterfront)
  • School system
  • Distance from emergency services
  • Distance to stores, restaurants and entertainment
  • Local housing market
Your home’s replacement cost is the amount it would cost to rebuild your house on the existing property with materials of similar kind and quality. The cost of rebuilding your home usually includes materials needed to rebuild the physical structure, like your:
  • Walls
  • Ceilings
  • Floors
  • Ventanas
  • Doors
  • Roof leaks
  • Mechanical and electrical systems
This total also includes the costs of:
  • Construction labor
  • Clean-up
  • Debris removal
Our agents use a “costimater” that helps determine the replacement cost and can provide you a free estimate. The AARP® Homeowners Insurance Program from The Hartford can be customized to help protect the investment you’ve made in your home, all at a price that fits your budget.1 They can also explain more about how recoverable depreciation works, which is the gap between replacement cost and actual cash value (ACV). To learn more, call us at 800-624-5578.

Dwelling Coverage Deductibles and Limits

Like many other types of insurance, dwelling insurance is subject to limits and deductibles. Determining your dwelling coverage limit is an important step in ensuring that you’re adequately protected.
Your dwelling coverage limit may also affect other coverage limits. An example of this is your other structures coverage limit, which is usually a percentage of your dwelling coverage limit.
We’re here to help you get the insurance protection you need. Reciba una cotización today to find out more about the discounts and benefits available to you.
Última actualización: 16 de septiembre de 2022
2 Insurance Information Institute, "Which disasters are covered by homeowners insurance?”
dwelling insurance video

Insurance Illustrated – Home Dwelling

Conozca más acerca de lo que incluye exactamente su cobertura de vivienda.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.