What does the Dwelling coverage in a Homeowners Policy primarily cover?

The Dwelling coverage in a Homeowners Policy primarily covers the structure of the home itself. This includes the physical building, constructed features, and any attached structures such as a garage or deck. The coverage is designed to protect against risks such as fire, windstorm, vandalism, and other perils that could damage the actual building.

This aspect of the policy ensures that homeowners can have their property repaired or rebuilt in the event of a covered loss, allowing them to maintain their investment and residence. It's important to distinguish this coverage from others within a homeowners policy which address personal belongings, liability issues, or income loss from rental properties.