Which items are typically covered under dwelling coverage?

Dwelling coverage primarily pertains to the protection of the physical structure of a home against direct physical damage. This includes the main residence and any attached structures like a garage or deck. It covers risks such as fire, windstorm, hail, and other perils specifically outlined in the policy. The coverage is designed to rebuild or repair the dwelling in the event of a covered loss.

Other listed items such as homeowners' liability claims, medical expenses for visitors, and the cost of theft relate to different facets of insurance. Liability claims address legal costs and damages if someone is injured on your property, medical expenses for visitors pertain to coverage for injuries sustained by individuals visiting the home, and theft coverage generally relates to personal property losses rather than the dwelling itself. Therefore, dwelling coverage specifically targets the physical aspects of the house, making the correct choice the one that focuses on direct physical damage to the dwelling.