What Is Dwelling Coverage In Homeowners Insurance? 
Dwelling coverage is also known as Coverage A in most homeowners policies . The company is obliged to pay for damages sustained to your residence up to the limits of the policy , subject to the stated deductible . It pays these damages if they are caused by a peril that is identified in the policy . Fire is the most commonly identified peril . Many additional perils can be included in the policy but not every peril will be covered . The most notable exceptions to coverage are earthquake and flood . These perils are generally not included except by endorsement . 