Coverage A

Coverage A, or Dwelling Coverage, is the section of your policy that protects the physical structure of your home, including walls, floors, and the roof. This limit is based on the home’s replacement cost, not its real estate market value. In 2026, ensuring your Coverage A limit matches local construction math is vital. If this number is too low, you risk being underinsured, which can lead to a “Coinsurance Penalty” where the carrier refuses to pay the full amount of a partial loss.