Dwelling coverage in Moberly, MO is likely what comes to mind when you think of home insurance. This essential coverage pays for the cost to rebuild or repair your home if a covered event damages it. However, at Swartz Premier Group Insurance, we understand that dwelling coverage can be easily misunderstood, especially when it comes to what it doesn’t cover. Here, we’ll help you ensure your policy protects what matters most.<\/p>\n
Dwelling coverage is the part of your policy that pays to restore the physical structure of your home if a covered event damages it. While coverage varies by policy, common covered events include fire, smoke, wind, and vandalism. For instance, if a windstorm causes a tree branch to fall onto your roof, you can file a claim to have your roof repaired.<\/p>\n
Dwelling coverage in Moberly, MO does not cover personal property, meaning you can’t file a claim under this coverage if items like your TV or laptop are damaged by smoke from a kitchen fire. Additionally, standard policies typically exclude events like flooding or earthquakes, which require separate coverage. Dwelling coverage may also exclude other structures on your property, such as detached garages or sheds.<\/p>\n
Yes, dwelling coverage is subject to a deductible, which you’ll need to pay according to the terms of your policy.<\/p>\n
If you have questions about dwelling coverage or how it fits into your current home insurance policy, it’s helpful to get expert advice. At Swartz Premier Group Insurance, we’ll guide you through the specifics of your options, so you can confidently file a claim for wind damage to your newly built porch. Contact us today to learn more about our policies!<\/p>\n","protected":false},"excerpt":{"rendered":"
Dwelling coverage in Moberly, MO is likely what comes to mind when you think of home insurance. This essential coverage pays for the cost to rebuild or repair your home if a covered event damages it. However, at Swartz Premier Group Insurance, we understand that dwelling coverage can be easily misunderstood, especially when it comes […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[29,21,12,13],"class_list":["post-108","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home","tag-insurance","tag-moberly-mo","tag-swartz-premier-group-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t