Dwelling Coverage in Greenfield, IN

Your home is your most valuable asset, and protecting the structure of your home is essential. Dwelling coverage is a crucial part of your home insurance policy that covers the cost of repairing or rebuilding your home if it’s damaged or destroyed by a covered event. At Cox Insurance Agency, we offer tailored dwelling coverage policies that ensure your home is protected from unexpected events like fire, storm damage, vandalism, and more. Whether you're in Greenfield, Fishers, Noblesville, or surrounding areas, we’ll help you find the right coverage to protect your home.

What is Dwelling Coverage?

Dwelling coverage protects the physical structure of your home, including walls, roof, foundation, and any attached structures like a garage, porch, or deck. If your home is damaged by an event like fire, lightning, hail, vandalism, or certain types of weather, dwelling coverage helps cover the cost of repairs or rebuilding. This coverage is a key component of your homeowners insurance policy.

What Does Dwelling Coverage Include?

Dwelling coverage typically includes protection for:


  • The Structure of Your Home: Covers damage to the physical structure of your home, including the roof, walls, floors, and foundation, caused by a covered event like fire, windstorms, hail, or vandalism.


  • Attached Structures: Covers damage to structures attached to your home, such as garages, decks, and porches.


  • Built-in Appliances: Covers built-in appliances like water heaters, plumbing, and electrical systems if they’re damaged by a covered event.

What Does Dwelling Coverage Include?

Dwelling coverage typically includes protection for:


  • The Structure of Your Home: Covers damage to the physical structure of your home, including the roof, walls, floors, and foundation, caused by a covered event like fire, windstorms, hail, or vandalism.


  • Attached Structures: Covers damage to structures attached to your home, such as garages, decks, and porches.


  • Built-in Appliances: Covers built-in appliances like water heaters, plumbing, and electrical systems if they’re damaged by a covered event.

What Dwelling Coverage Doesn’t Include

While dwelling coverage is essential, there are some things it typically does not cover, including:


  • Flooding: Standard dwelling coverage does not cover damage from floods. You may need to purchase separate flood insurance.



  • Earthquakes: Damage from earthquakes is usually not covered by dwelling coverage, but you can add an earthquake endorsement to your policy for extra protection.


  • Maintenance Issues: Dwelling coverage does not cover damage caused by neglect, wear and tear, or lack of maintenance.

Why Do You Need Dwelling Coverage?

Dwelling coverage is essential to protect the financial investment you’ve made in your home. Here's why you need it:

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Financial Protection

If your home is damaged or destroyed, dwelling coverage helps cover the cost of repairs or rebuilding, saving you from paying out-of-pocket expenses.

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Peace of Mind

With dwelling coverage, you know that you’re covered in case of unexpected events, such as fire, severe weather, or vandalism.

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Required by Lenders

If you have a mortgage, your lender will require that you carry dwelling coverage to protect their investment in your property.

How Much Dwelling Coverage Do You Need?

The amount of dwelling coverage you need depends on the replacement cost of your home. This is the amount it would take to rebuild your home at current construction prices, which may differ from your home’s market value. Factors that impact the amount of coverage you need include:


  • The Size and Layout of Your Home: Larger homes typically require more coverage due to the higher cost to rebuild.


  • Building Materials: Homes made from high-end materials or with custom features may require higher coverage to rebuild.


  • Local Construction Costs: The cost of construction in your area affects the amount of coverage needed.


Our team at Cox Insurance Agency can help you calculate the appropriate amount of dwelling coverage to fully protect your home and ensure you're not underinsured.

How to File a Dwelling Coverage Claim

If your home is damaged and you need to file a claim, here’s the general process:


  1. Contact Us Immediately: Call Cox Insurance Agency to report the damage and start the claims process.
  2. Document the Damage: Take photos and document the extent of the damage to your home.
  3. Assessment by Adjuster: An insurance adjuster will inspect the damage and estimate the repair or rebuild cost.
  4. Repair or Rebuild: Once the claim is approved, your insurer will either pay for repairs or reimburse you for the costs of rebuilding, depending on the terms of your policy.

How to Get Dwelling Coverage

Getting the right dwelling coverage through Cox Insurance Agency is easy. We work with trusted carriers like Grange, Travelers, and Liberty Mutual to help you find the best protection for your home. Whether you’re purchasing a new home or updating your existing coverage, we’ll ensure your home is fully protected against unexpected events.

FAQ About Dwelling CoveragE

  • What is the difference between dwelling coverage and personal property coverage?

    Dwelling coverage protects the structure of your home, while personal property coverage protects your belongings inside your home, such as furniture, electronics, and clothing.

  • Does dwelling coverage cover damage from floods or earthquakes?

    No, standard dwelling coverage does not cover damage from floods or earthquakes. However, you can add separate flood insurance or earthquake coverage as an endorsement to your policy.

  • How do I determine how much dwelling coverage I need?

    The amount of dwelling coverage you need is based on the replacement cost of your home, not its market value. Our team can help assess the correct coverage based on your home’s size, features, and location.

  • Will dwelling coverage pay for repairs to my roof if it’s damaged by hail?

    Yes, dwelling coverage typically covers roof damage caused by hail or other covered events. However, coverage may vary depending on the policy, so it’s important to review your policy details.

  • Does dwelling coverage cover damage to my home from vandalism?

    Yes, vandalism is typically covered under dwelling coverage, but you may need to file a police report and provide evidence of the damage.

Get the Right Dwelling Coverage Today

Ensure your home is protected from the unexpected with reliable dwelling coverage from Cox Insurance Agency. Contact us today for a free, no-obligation quote, and let us help you find the right coverage for your home.