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SeaBass Properties
Rebecca Bass, SeaBass PropertiesPhone: (843) 263-3772
Email: [email protected]

Why you need dwelling coverage

by Rebecca Bass 01/27/2025

Dwelling coverage is a crucial part of every standard homeowners insurance policy. Dwelling coverage can help you in the event the physical structure of your home incurs serious damage. However, it’s important to understand what types of damage are covered.

Here is a basic guide to the types of damage covered by your dwelling insurance:

Why you need dwelling coverage

You can use dwelling coverage to pay for damage sustained from natural hazards, also called perils. You may be eligible for financial compensation if the main structure of your home is damaged by any of the following:

  • Fire/smoke
  • Windstorms
  • Lightning strikes
  • Hail
  • Snow, sleet or ice

Other than natural or weather related hazards, there are more types of damage covered under dwelling insurance. These hazards include:

  • Vandalism
  • Theft
  • Falling objects
  • Damage from motor vehicles
  • Damage from aircraft

If any of these perils cause damage to the structure of your home, your dwelling coverage is there to help you.

Important exceptions

Not all natural hazards are covered by dwelling insurance. For example, windstorms do not include tornadoes. If you live in a region prone to tornadoes, you will need to purchase a tornado-specific insurance policy.

Other major natural perils like earthquakes, mudslides and floods typically require their own specific policy. Other non-natural hazards might be covered by auto insurance or personal liability insurance.

Hopefully, you’ll never need to make a claim to your homeowners insurance for one of these issues. However, the more you know about what hazards are included in your dwelling coverage can give you greater peace of mind as a homeowner.

About the Author
Author

Rebecca Bass

EXPERIENCE MATTERS

Accredited Buyer's Representative (ABR ®)

Seller Representative Specialist (SRS ®)

Pricing Strategy Advisor (PSA ®)

Rebecca W. Bass has worn every hat around the real estate closing table in the course of her career. She is an attorney, has been a mortgage banker and a real estate investor, and is the Founder and Broker-in-Charge of SeaBass Properties. She is licensed to sell real estate in South Carolina and Georgia. Rebecca had an exciting career as an international business executive for companies such as GE and Motorola. She applies her vast experience as a negotiator for the benefit of her real estate clients.

Rebecca and her husband have relocated about 15 times in the course of their marriage, so she knows very well the stress involved in finding the right home, negotiating the purchase, and accomplishing the move. They have lived in Beaufort County for over 20 years, and Rebecca is well-versed in the Lowcountry lifestyle and all it has to offer.

Rebecca has earned the impressive designations of Accredited Buyer's Representative (ABR ®), Seller Representative Specialist (SRS ®) and Pricing Strategy Advisor (PSA ®) from the National Association of Realtors. 

Her experience as an attorney, mortgage banker, real estate investor and broker-in-charge will ensure that your real estate purchase or listing for sale is accomplished with the utmost integrity and professionalism.