Dwelling Coverage (Coverage A) – Florida Home Insurance Guide
What Dwelling Coverage Protects
Dwelling Coverage — also called Coverage A — protects the physical structure of your home and pays to rebuild it after a covered loss.
- Roof
- Exterior walls
- Interior walls
- Flooring
- Built‑in cabinets
- Attached garage
- Foundation
- Permanently attached fixtures
Why Coverage A Matters When Buying a Home
Coverage A determines whether your home is insured for the correct amount. It should match the rebuild cost, not the market value.
Request a Homeowners Insurance Quote
What Coverage A Does Not Cover
- Detached structures (Coverage B)
- Personal belongings (Coverage C)
- Liability claims
- Loss of Use
- Flood damage
- Earth movement
How Your Rebuild Cost Is Calculated
- Square footage
- Roof type
- Construction materials
- Number of stories
- Age of the home
- Local labor and material costs
Common Upgrades That Affect Coverage A
- Tile roofs
- High‑end flooring
- Custom cabinetry
- Upgraded kitchens
- Large lanais
- Attached garages
- Screen enclosures
Quick Tips for Florida Homeowners
- Coverage A should match the rebuild cost, not the sale price.
- Older homes often need Ordinance & Law for code upgrades.
- Homes with tile roofs or custom finishes may need higher limits.
- Flood damage is not covered under Coverage A.
Florida Coverage & Policy Guides
Florida Inspections, Roof & Underwriting Guides
Florida Buyer, Property & Policy Type Guides
