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Dwelling Protection Coverage, also known as Coverage A in a homeowners insurance policy, protects the physical structure of your home against damage caused by covered perils such as fire, windstorms, hail, lightning, vandalism, and theft.
If your home is damaged or destroyed by a covered event, dwelling coverage helps pay for repair or rebuilding costs, up to your policy limit. This coverage is the foundation of every home insurance policy and is designed to restore your home to its original condition not its market value after an unexpected loss.
Dwelling protection may also extend to attached structures, including garages, porches, decks, and built-in fixtures, making it one of the most critical protections for homeowners.
We ensure your home is covered for all major hazards, from hurricanes to accidental fires, with limits that reflect true reconstruction costs.
Our team reviews local construction costs and building materials to ensure your policy keeps pace with inflation and rising home values.
When disaster strikes, we handle everything — from inspection to payout — helping you rebuild quickly and confidently.
Even you own a single-family home, condo, or vacation property, we customize your coverage to fit your lifestyle and location.
It covers damage to your home’s structure from covered events such as fire, hail, lightning, windstorms, or vandalism. Coverage also extends to permanently attached features like garages or decks.
Dwelling coverage is a component of homeowners insurance focused on the structure itself, while homeowners insurance also includes personal property, liability, and additional living expenses.
You should insure your home for its full replacement cost, ensuring you can rebuild the property using similar materials and workmanship if it’s completely destroyed.
No. Detached structures such as sheds or fences are typically covered under a separate section of your policy known as Other Structures Coverage (Coverage B).
No. Flood and earthquake damage are not covered under standard dwelling protection policies. Separate or endorsed policies are required for these risks.
If your policy includes loss-of-use coverage, it may pay for temporary housing, food, and related expenses while your home is being repaired or rebuilt.
Dwelling protection provides financial security and peace of mind, ensuring your home can be repaired or rebuilt after covered disasters without creating a major financial burden.
Canopy Connect is a secure, read-only platform that lets you share your existing insurance information directly with us. It uses bank-level encryption to keep your data safe and helps us provide faster, more accurate quotes. Simply sign into your existing insurance company portal, and our agent will be in touch with a quote for you shortly after.
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