Why Am I Being Charged For Dwelling Extension Insurance, I Have No Other Buildings Other Than My House? 
A homeowners policy is a package . As such it reduces costs by combining coverages that are normally required in such a way as to satisfy the majority of customers . The dwelling extension is included in most homeowners policies because so many people have detached garages , sheds and similar structures . It is possible to cobble together a unique policy for you that does not include that coverage ; however , the cost will probably be higher . 