What does Coverage A in a homeowners policy typically insure?

Coverage A in a homeowners policy is designed to insure the dwelling structure itself. This includes not only the physical building but also any attached structures, such as garages or decks. It provides financial protection against damage due to various risks, such as fire, windstorm, vandalism, and other hazards specified in the policy.

Understanding Coverage A is essential for homeowners, as it ensures that they have the necessary coverage to rebuild or repair their home in the event of a covered loss. This coverage encompasses the structure's value, allowing policyholders to recover costs associated with damages to the building itself.