Dwelling Insurance Coverage

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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

What Is Dwelling Insurance?

Buying a home is an investment. We can help you protect it by making sure you get the right homeowners insurance. This coverage helps pay costs to repair or rebuild your home if it’s damaged in a covered loss, like fire, lightning or smoke. It helps protect your home, your attached structures and your personal possessions inside it. It can even help with temporary additional living expenses if you can’t live in your home temporarily.
With dwelling insurance, your walls, electrical wiring, plumbing, heating and air conditioning are all covered.
Learn more about home dwelling coverage by calling us at 888-413-8970 today.

What Is Covered by Dwelling Home Insurance?

So, what is dwelling coverage and what does homeowners insurance help cover? Most standard homeowners insurance policies cover a variety of losses and can vary from state to state.
A few examples of what’s covered in a homeowners insurance policy include damage caused by:**
  • Fire
  • Lightning
  • Hail
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water from plumbing or HVAC system
  • Freezing of pipes
Dwelling insurance also helps cover the structure of your home and its built-in features like the:
  • Attached garage
  • Chimney
  • Front porch

What Is Not Covered by Dwelling Insurance?

A typical homeowners insurance policy does not help cover flood damage. That’s why you may need a flood policy to keep your home protected in case of water damage. It also won’t cover earthquakes or property that’s detached from your home.
However, we offer other coverages to help protect your entire property. Some of these are:

How Much Dwelling Coverage Do I Need?

We’re often asked, “how much homeowners insurance do I need?” And, honestly, the amount varies from homeowner to homeowner. To make sure you have the right insurance to cover your home, you’ll want to choose the amount that would allow you to rebuild and replace 100% of it if it’s ever destroyed by a covered loss.
Another benefit of having 100% replacement cost coverage is that if your home is a complete loss, you’re eligible for additional coverage on top of what it’s insured for. The full replacement cost coverage option pays the whole price of rebuilding your home, if it’s a total loss, up to 125% of your policy limits. There is also an option providing up to 150% of coverage limits depending where you live.
When considering the cost to replace your home, don’t mistake it for the market value of your house. We can help you determine your home’s market value vs. replacement cost.
The market value is what a buyer is willing to pay for your home and land in its current condition. Your home’s market value is also impacted by factors outside of your property like your:
  • Location
  • School system quality
  • Distance from emergency services
  • Distance to stores, restaurants and entertainment
  • Local housing market
Your home’s replacement cost is the amount it would cost to rebuild your house on the existing property with materials of similar kind and quality. The cost of rebuilding your home usually includes materials needed to rebuild the physical structure, like your:
  • Walls
  • Ceilings
  • Floors
  • Windows
  • Doors
  • Roof
  • Mechanical and electrical systems
This total also includes the costs of:
  • Construction labor
  • Clean-up
  • Debris removal
Our agents use a “costimater” that helps determine the replacement cost and can provide you a free estimate. The AARP Homeowners Insurance Program from The Hartford can be customized to help protect the investment you’ve made in your home, all at a price that fits your budget.1They can also explain more about how recoverable depreciation works, which is the gap between replacement cost and actual cash value (ACV). To learn more, call us at 800-624-5578.
Dwelling Insurance Coverage

Insurance Illustrated – Home Dwelling

Learn more about what exactly is included under your home dwelling coverage.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

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