Which component of a homeowner's insurance policy would cover the home and structures on the property?

Dwelling coverage is the component of a homeowner's insurance policy specifically designed to protect the physical structure of the home and any additional structures that are permanently attached to the property, such as garages, sheds, or fences. This coverage ensures that in the event of a covered peril, such as fire, storm damage, or vandalism, the homeowner can receive financial compensation to help repair or rebuild the dwelling and its associated features.

This type of coverage typically includes structural components like walls, roofs, and built-in appliances, emphasizing its primary focus on the property itself rather than possessions within it or liabilities arising from the homeowner's actions. It is crucial for homeowners to have adequate dwelling coverage that reflects the total value of their home to ensure full protection in the event of a loss.