What does 'dwelling coverage' protect in a homeowners policy?

Dwelling coverage in a homeowners policy specifically protects the physical structure of the home itself. This coverage includes the main dwelling, structures attached to the home, such as a garage or deck, and, in some cases, materials and supplies used for repair or remodeling. The key aspect of this coverage is that it is designed to safeguard against physical damage resulting from various perils, including fire, windstorm, and theft, ensuring that homeowners have financial support for repairs or rebuilding after a covered loss.

The other options focus on different aspects of homeowners insurance. Personal property protection, which is a separate part of a homeowners policy, covers items inside the home, while liability protection addresses claims against the homeowner for injuries or damages to others. Flood coverage is typically not included in standard homeowners policies and requires special flood insurance. Thus, dwelling coverage is distinct in its focused protection of the home’s physical structure.