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).
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