The dwelling coverage in a homeowners insurance policy typically helps protect your home's structure, including the roof, from certain perils, or causes of damage. Commonly covered perils include fire, wind and hail damage.

Is the roof considered dwelling?

Dwelling coverage protects your physical home structure and many things connected to it, including a garage and porch, windows, doors, roof, chimney, fireplace, carpets, floors and so on.

What does a dwelling policy cover?

Dwelling coverage is the part of a homeowners insurance policy that may help pay to rebuild or repair the physical structure of your home if it's damaged by a covered hazard. Your house and connected structures, such as an attached garage, are typically protected by dwelling coverage.