{"id":139,"date":"2023-10-10T21:00:00","date_gmt":"2023-10-10T21:00:00","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=139"},"modified":"2023-10-11T10:42:56","modified_gmt":"2023-10-11T10:42:56","slug":"dwelling-insurance","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/home-insurance\/dwelling-insurance\/","title":{"rendered":"DWELLING INSURANCE: How Much Dwelling Coverage You Need"},"content":{"rendered":"<p>Your dwelling is also known as your condo or home, and as such, you should have insurance coverage for the structures, installed fixtures, and other appliances. The coverage or policy for this type of insurance is known as dwelling insurance. In this article, we will discuss in detail dwelling insurance and how much of it you need for your home. Also, if you&#8217;re a homeowner in Florida, this article covers the best rental dwelling insurance companies in Florida. Stay tuned.<\/p><h2 class=\"wp-block-heading\" id=\"h-dwelling-insurance\"><span id=\"dwelling-insurance\">Dwelling Insurance<\/span><\/h2><p>It&nbsp;is a component of your home insurance policy that protects your home and what&#8217;s inside.&nbsp;If a covered risk damages your home, your&nbsp;dwelling coverage policy will repair, rebuild, or replace the physical structure of your home. Every homeowner&#8217;s or condo policy includes dwelling insurance. Dwelling insurance is important because your home is usually your most valuable possession.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-does-dwelling-insurance-cover\"><span id=\"what-does-dwelling-insurance-cover\">What Does Dwelling Insurance Cover?<\/span><\/h2><p>Even if the specifics of the coverage may change from one state to the next or from one geographical region to the next, dwelling&nbsp;insurance policies normally assist in covering&nbsp;the costs associated with the following types of damage:<\/p><ul class=\"wp-block-list\"><li>Embers and smoke<\/li>\n\n<li>Lightning strike.<\/li>\n\n<li>Falling objects like trees<\/li>\n\n<li>Damage caused by an airplane crash<\/li>\n\n<li>Accidental damage caused by a motor vehicle<\/li>\n\n<li>Tempests and windstorms<\/li>\n\n<li>Explosion caused by hail<\/li>\n\n<li>Theft and acts of vandalism<\/li>\n\n<li>Damage that resulted from&nbsp;the accumulation of snow, sleet, or ice<\/li><\/ul><p>Despite the fact that these dangers are often covered by dwelling insurance, you should always check your individual home or <a href=\"https:\/\/businessyield.com\/insurance\/renters-liability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">rental&nbsp;insurance policy<\/a> to discover what it covers and make sure it is up-to-date.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-s-not-covered-by-dwelling-insurance-policy\"><span id=\"whats-not-covered-by-dwelling-insurance-policy\">What&#8217;s Not Covered by Dwelling Insurance Policy?<\/span><\/h2><p>As you can guess, dwelling insurance, like every other insurance coverage, has its limitations. In other words, there is an extent to which you and your properties will be covered. However, you can decide to buy additional coverage, which will extend the insurance coverage on your home. <\/p><p>Here&#8217;s a list of perils that your dwelling insurance policy does not cover<\/p><ul class=\"wp-block-list\"><li>Flooding<\/li>\n\n<li>Earthquakes<\/li>\n\n<li>Backed-up sewage systems, and damage that results from a lack of preventative maintenance<\/li><\/ul><p>As I earlier said, you&nbsp;have the option of purchasing additional coverage or a separate insurance policy in order to assist in covering the costs associated with some of these additional dangers. For instance, in order to help pay the costs of sewage backups, you might be able to extend the coverage of your current dwelling&nbsp;insurance policy to include coverage for water backups. Alternatively, you might be able to safeguard your house from the risk of flooding by purchasing flood insurance.<\/p><p>That being said, I recommend that you seek proper counseling from the insurance company you&#8217;re using to find out what options are available to you.<\/p><h2 class=\"wp-block-heading\" id=\"h-why-do-you-need-dwelling-insurance\"><span id=\"why-do-you-need-dwelling-insurance\">Why Do You Need Dwelling Insurance?<\/span><\/h2><p>Dwelling coverage insurance typically protects not just the primary dwelling but also adjacent structures like garages. It&#8217;s not the same as home insurance, which protects your dwelling and any attached structures on your property.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-factors-influence-the-cost-of-dwelling-insurance\"><span id=\"what-factors-influence-the-cost-of-dwelling-insurance\">What Factors Influence the Cost of Dwelling Insurance?<\/span><\/h2><p>The amount of coverage you have on your dwelling insurance policy should be adequate to pay for repairs or a rebuild in the event that a covered risk destroys your house or condominium. Your calculation has to reflect current market conditions. Estimates can be obtained by multiplying the total square footage of the house by the national average building cost per square foot, although this is just one method.<\/p><p>You might also need to include in the cost of any custom cabinetry, high-end appliances, or other unique features of your property. Don&#8217;t factor in any extra cash for renovations or extensions to the building. Neither the market value nor the price at which anything was bought would be used as a benchmark.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-much-dwelling-insurance-do-i-need\"><span id=\"how-much-dwelling-insurance-do-i-need\">How Much Dwelling Insurance do I need?<\/span><\/h2><p>To provide you with an accurate insurance quotation, most&nbsp;insurers will ask you numerous questions about your home, such as<\/p><ul class=\"wp-block-list\"><li>The type of roof<\/li>\n\n<li>The year&nbsp;your home was built<\/li>\n\n<li>Square footage,<\/li>\n\n<li>Flooring, and the number of bathrooms.<\/li><\/ul><p>Their purpose is to calculate the cost of rebuilding your home from the ground up in the event of a total loss. The rebuild price is known as the &#8220;replacement cost value,&#8221; and it is usually different from the fair market value of your property or the figure you might find on a realtor&#8217;s website.<\/p><p>In other words, to&nbsp;decide how much dwelling coverage you should get, you must first determine the cost of rebuilding your home. This is not the same as your mortgage or house appraisal amount. Instead, you should research current building, material, and labor costs.<\/p><h2 class=\"wp-block-heading\" id=\"h-dwelling-insurance-companies-florida\"><span id=\"dwelling-insurance-companies-florida\">Dwelling Insurance Companies Florida<\/span><\/h2><p>Finding the finest rental or home insurance can be difficult, particularly in Florida&#8217;s volatile property insurance market. Due to the unique hazards that Florida houses face, coverage from these companies may be limited based on an insurance company&#8217;s qualifying rules, which might include limits in certain ZIP codes, properties of a certain age, and homes missing specific safety features, such as wind mitigation measures.<\/p><h3 class=\"wp-block-heading\" id=\"h-1-usaa\"><span id=\"1-usaa\">#1. USAA<\/span><\/h3><p>USAA provides its members with a variety of insurance, financial, and investment options. It is ranked third in our list of the best dwelling insurance companies in Florida and has an A++ AM Best rating.<\/p><p>USAA dwellings insurance products cover your home, connected structures (e.g., detached garages, sheds, etc.), and personal belongings. It also includes flood and earthquake coverage as options. USAA insurance is only accessible to members, and membership is restricted to active and former military personnel, their spouses, and their children.<\/p><h3 class=\"wp-block-heading\" id=\"h-2-chubb\"><span id=\"2-chubb\">#2. Chubb<\/span><\/h3><p>Chubb is a worldwide insurance firm with an AM Best financial rating of A++. It offers homeowners, flood, and vehicle insurance, as well as specialty insurance packages for collectibles, boats, and cyber risks.<\/p><p>For homeowners with a second or seasonal home in hurricane-prone areas, Chubb&#8217;s Masterpiece Homeowners Coverage covers all of the fundamental protections in a standard policy, as well as risk consulting, extended replacement cost, and complementary property management services.<\/p><h3 class=\"wp-block-heading\" id=\"h-3-statefarm\"><span id=\"3-statefarm\">#3. StateFarm<\/span><\/h3><p>Customers in all 50 states can purchase insurance, investments, and banking products with State Farm. State Farm has an AM Best rating of A++.<\/p><p>State Farm&#8217;s typical dwelling insurance covers all the essentials, including your home, structures on your property, and personal belongings, as well as liability and medical bills. It also provides earthquake insurance, water backup coverage, and other specialized plans as options. State Farm&#8217;s savings aren&#8217;t as great as those offered by the other insurers in our category, but it does have a large network of local agents.<\/p><h3 class=\"wp-block-heading\" id=\"h-4-travelers\"><span id=\"4-travelers\">#4. Travelers<\/span><\/h3><p>Travelers house insurance packages cover your principal residence as well as extra structures. Personal property coverage is also included and can be upgraded to include costly possessions. Coverage is also available for losses caused by identity fraud (Florida was recently named as one of the worst states for identity theft). Flood insurance is also available, but it is normally sold separately.<\/p><p>Travelers, like the other carriers in our rating, provide a variety of discounts to homeowners. It provides a typical discount for bundling numerous policies, as well as discounts for installing security systems. You may also be eligible for further discounts if you maintain a claim-fee history for a particular period of time.<\/p><h3 class=\"wp-block-heading\" id=\"h-5-allstate\"><span id=\"5-allstate\">#5. Allstate<\/span><\/h3><p>Allstate dwelling&nbsp;insurance covers your principal residence as well as other structures on your property. Personal property coverage is also included, and coverage for valuable goods can be enhanced. Homeowners can also choose to cover both their residence and personal possessions up to replacement value rather than market value. Allstate does not provide earthquake coverage, but it does provide flood insurance, which is vital for Floridians.<\/p><p>Aside from its multiple insurance alternatives, Allstate also provides a plethora of ways for homeowners to save. Multi-policy discounts, loyalty discounts, discounts for installing protective equipment (such as home security systems or smoke alarms), and maintaining a claim-free history for a set amount of time are examples of these. In addition, if you&#8217;ve just built or purchased a home, Allstate offers a new home credit on new insurance.<\/p><h3 class=\"wp-block-heading\" id=\"h-6-nationwide\"><span id=\"6-nationwide\">#6. Nationwide<\/span><\/h3><p>Nationwide provides all of the standard coverages found in most providers we reviewed, as well as optional add-ons like water backup, earthquake protection, and identity theft protection. When compared to the other home insurance carriers in our evaluations, Nationwide provides comparable discounts, such as remaining claim-free, installing home security devices, and combining policies.<\/p><h3 class=\"wp-block-heading\" id=\"h-7-liberty-mutual\"><span id=\"7-liberty-mutual\">#7. Liberty Mutual <\/span><\/h3><p>Aside from dwelling insurance, Liberty Mutual provides a variety of other insurance products. They include rental, auto, pet, and tuition insurance. Its regular dwelling policies cover residence, personal property, and <a href=\"https:\/\/businessyield.com\/business-ideas\/unlimited-liability\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal liability<\/a>. The company uses the National Flood Insurance Program (NFIP) to provide flood insurance.<\/p><p>Liberty Mutual also provides savings for bundling insurance and going claim-free for at least three years.AM Best has assigned the company an A rating for financial security.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-much-does-florida-dwelling-insurance-cost\"><span id=\"how-much-does-florida-dwelling-insurance-cost\">How Much Does Florida Dwelling Insurance Cost?<\/span><\/h2><p>Dwelling insurance in Florida typically costs between $1,700 and $2,700 per year, according to research. This is based on a $300,000 dwelling policy and a $100,000 liability policy.<\/p><p>Regardless, the amount of coverage you require can have a significant impact on your insurance costs. From what we gathered,&nbsp;if you reside in a more expensive home and want $500,000 in dwelling coverage, you should budget $3,000 to $4,000 per year.<\/p><p>Aside from property value, a variety of additional factors can influence your annual home insurance prices. They are as follows:<\/p><ul class=\"wp-block-list\"><li><strong><em>Construction of your house<\/em><\/strong>. Wood-framed homes are often more expensive to insure than brick or block structures.<\/li>\n\n<li><strong><em>Location of your house<\/em><\/strong>. You&#8217;ll pay extra for coverage if you live near the shore or in a location prone to flooding during hurricanes or other storms.&nbsp;<\/li>\n\n<li><strong><em>Age of your house<\/em><\/strong>. In general, older homes are more expensive to insure than freshly constructed residences.<\/li>\n\n<li><strong><em>Claim history.<\/em><\/strong> If you haven&#8217;t filed a claim in the last three to five years, you may be eligible for reductions or other benefits.<\/li>\n\n<li><strong><em>Credit score.<\/em><\/strong> If you have good credit, you may pay less for insurance than someone with bad credit.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-what-is-covered-by-dwelling-insurance-florida\"><span id=\"what-is-covered-by-dwelling-insurance-florida\">What is Covered by Dwelling Insurance Florida?<\/span><\/h2><p>Knowing what your Florida dwelling insurance policy covers is essential when selecting a policy that matches your requirements. Many sections of Florida are good targets for tropical storms, and the state has traditionally had the most hurricane landfalls of any state in the US. Florida residents might want to take into account the potential damage these risks could cause when choosing insurance coverage because of the high likelihood of hurricanes and flooding. Some of the most prevalent sorts of damage that may prompt Floridians to make dwelling insurance claims are as follows:<\/p><ul class=\"wp-block-list\"><li>Wind: Wind-related damage can be extremely expensive in Florida. Windstorm coverage is often included in home-dwelling&nbsp;insurance coverage policies, and carriers in Florida are mandated to cover hurricanes and tropical storms. A special hurricane deductible is required for named storms, which is normally 1 to 5% of your dwelling coverage amount.<\/li><\/ul><ul class=\"wp-block-list\"><li>Fire: Hurricanes and other severe weather can damage your home&#8217;s electrical system, even sparking a fire. The good news is that most home dwelling&nbsp;insurance policies cover accidental fire damage; however, you should&nbsp;ensure you provide sufficient coverage to cover the contents of your house in the event of a catastrophic loss.<\/li><\/ul><ul class=\"wp-block-list\"><li>Flooding and water damage: Heavy rains and storm surges can produce widespread flooding and water damage, especially in inland areas. Flood damage, on the other hand, is not covered by a typical homeowners insurance policy; therefore, you will most likely need to obtain a separate flood insurance policy.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-related-posts\"><span id=\"related-posts\">Related Posts<\/span><\/h2><ol class=\"wp-block-list\"><li><a href=\"https:\/\/businessyield.com\/insurance\/how-long-can-i-stay-on-my-parents-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Long Can I Stay On My Parent\u2019s Insurance?<\/a><\/li>\n\n<li><strong><a href=\"https:\/\/businessyield.com\/insurance\/best-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">BEST CAR INSURANCE COMPANIES REVIEWS<\/a><\/strong><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/insurance\/employer-health-insurance-costs-best-2023-practices\/\" target=\"_blank\" rel=\"noreferrer noopener\">Employer Health Insurance Costs: Best 2023 Practices<\/a><\/li><\/ol><h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\">References<\/span><\/h2><p><a href=\"https:\/\/www.usnews.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">USnews<\/a><\/p><p><a href=\"https:\/\/www.bankrate.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bankrate<\/a><\/p><p><a href=\"http:\/\/www.geico.com\">g<\/a><a href=\"http:\/\/www.geico.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">e<\/a><a href=\"http:\/\/www.geico.com\">ico<\/a><\/p>","protected":false},"excerpt":{"rendered":"Your dwelling is also known as your condo or home, and as such, you should have insurance coverage&hellip;\n","protected":false},"author":238,"featured_media":163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14],"tags":[],"class_list":{"0":"post-139","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DWELLING INSURANCE: How Much Dwelling Coverage You Need<\/title>\n<meta name=\"description\" content=\"Despite the fact that these dangers are often covered by dwelling insurance, you should always check your individual home or rental insurance policy\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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