> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Dwelling coverage

> What Coverage A dwelling coverage is on a homeowners policy, how it pays to rebuild your home's structure, and how the limit relates to replacement cost.

**Dwelling coverage** pays to repair or rebuild the structure of your home after a covered loss. It should reflect the cost to rebuild — not market value or what you paid for the house.

Underinsuring dwelling limits is one of the most common homeowners mistakes. Construction costs change; review limits at renewal.

## Related terms

* [Homeowners insurance](/learn/homeowners-insurance)
* [Underinsurance](/learn/underinsurance)
* [Replacement cost value (RCV)](/learn/replacement-cost-value)

## Further reading

* [NAIC — Consumer insurance resources](https://content.naic.org/consumer)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=dwelling-coverage)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=dwelling-coverage)


## Related topics

- [Personal property coverage](/learn/personal-property-coverage.md)
- [Homeowners insurance](/learn/homeowners-insurance.md)