Jones Group Realtors®
Linda Michaud, Jones Group Realtors®Phone: (413) 478-2676
Email: [email protected]

Dwelling coverage explained

by Linda Michaud 04/24/2023

Dwelling coverage is a crucial part of every standard homeowners insurance policy. Dwelling coverage can help you in the event the physical structure of your home incurs serious damage. However, it’s important to understand what types of damage are covered.

Here is a basic guide to the types of damage covered by your dwelling insurance:

Why you need dwelling coverage

You can use dwelling coverage to pay for damage sustained from natural hazards, also called perils. You may be eligible for financial compensation if the main structure of your home is damaged by any of the following:

  • Fire/smoke
  • Windstorms
  • Lightning strikes
  • Hail
  • Snow, sleet or ice

Other than natural or weather related hazards, there are more types of damage covered under dwelling insurance. These hazards include:

  • Vandalism
  • Theft
  • Falling objects
  • Damage from motor vehicles
  • Damage from aircraft

If any of these perils cause damage to the structure of your home, your dwelling coverage is there to help you.

Important exceptions

Not all natural hazards are covered by dwelling insurance. For example, windstorms do not include tornadoes. If you live in a region prone to tornadoes, you will need to purchase a tornado-specific insurance policy.

Other major natural perils like earthquakes, mudslides and floods typically require their own specific policy. Other non-natural hazards might be covered by auto insurance or personal liability insurance.

Hopefully, you’ll never need to make a claim to your homeowners insurance for one of these issues. However, the more you know about what hazards are included in your dwelling coverage can give you greater peace of mind as a homeowner.

About the Author
Author

Linda Michaud

Welcome to my website www.lindamichaudhomes.com. 

I can work for you in Hampshire and Franklin counties. Whether you are buying or selling, I will help you achieve your goals.        

Community and school information for Amherst MA, Hadley MA, South Hadley MA, Hampshire and surrounding towns. You can also find the latest town and Real Estate News, up to the minute listings alerts of New Listings, Price Changes, Back on Markets, Open Houses, Virtual Tours, and much more information about Amherst MA Real Estate, Hadley MA Real Estate, South Hadley MA Real Estate, Hampshire County Real Estate and surrounding towns from my blog.

The Hampshire area schools are fantastic.  Some links you may want to check out follow are below.  As always, please contact me directly to help you answer questions about local schools.

www.arps.org - This site will also take you to the Leverett, Shutesbury, and Pelham schools
www.hadleyschools.org
www.nps.northampton.ma.us
www.ses.sunderland.ma.us/
www.deerfield.edu/
www.southhadleyschools.org/