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    Dwelling Coverage

    Home Insurance Add-On

    • Protects the structure of your home and anything attached to it, such as your roof, walls and windows
    • Helps pay for covered losses up to your policy's limit once you've met your deductible
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    What is Dwelling Coverage?

    Dwelling insurance, or Coverage A, helps pay to repair or replace your home's structure if it's damaged by a covered event.
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    Dwelling Coverage Examples

    Learn how dwelling insurance helps protect your home's structure after it's damaged by a covered event.

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    We offer several types of homeowners insurance discounts. Check them out and start saving today.
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    Fire and Smoke Damage

    A small fire damages your kitchen. Having enough dwelling coverage can help pay for its reconstruction.
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    Home Burglary Damage

    An intruder breaks your window and takes your valuables. Dwelling coverage helps pay for covered losses up to your policy's limits.
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    Wind Damage

    Strong winds send a tree into the side of your house, damaging your siding. Dwelling insurance can help cover repairs and replacements.
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    Frequently Asked Questions

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    The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

    *Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP).

     

    **American Family Insurance is a participating company in the National Flood Insurance Program (NFIP). NFIP is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). Flood insurance is a separate policy underwritten by NFIP.