Dwelling Coverage, known as Coverage A, protects the physical structure of the insured home / main dwelling. Coverage for the main dwelling includes the core physical structure, as well as:
- Internal Systems & Fixtures: Built-in fixtures, plumbing, heating, and electrical wiring.
- Attached Structures: Any structures physically connected to the main home, such as a deck, porch, or attached garage.
You can view the specific Coverage A limit for any property directly on the Coverage tab in the portal.
Adjusting Coverage A Limits
Stated Value vs Non-Stated Value States
Whether you can increase or decrease the Coverage A limit depends entirely on the state where the property is located, and whether it’s a Stated Value or Non-Stated Value State.
- Stated Value States: You can manually increase or decrease the Coverage A limit.
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Non-Stated Value States: The Coverage A limit cannot be altered.
Learn more by reviewing Stated vs. Non-Stated Value States.
Connecticut
In Connecticut, clients have additional flexibility regarding their coverage structure. You can choose to insure a dwelling at 50% of its Replacement Cost Estimate (RCE).
Note: Selecting this option removes the standard $5 million Guaranteed Replacement Cost (GRC) coverage and replaces it with a defined, fixed coverage limit.
Learn more by reviewing our articles on Replacement Cost Estimate (RCE) and Guaranteed Replacement Cost (GRC).
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.
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