Many homeowners may ask themselves "what is dwelling insurance" and, better yet, "do I need it" But before we get into what dwelling insurance covers, it's important to understand what a dwelling is.
Your dwelling includes the house you live in and anything attached to the structure itself, such as a garage, deck or porch. It also includes any built-in appliances you may have.
What does dwelling insurance cover
It covers the structure of your home, as well as specific perils that can damage your property. Structures that aren't directly attached to your home, such as a separate guest house, can also be covered under this insurance.
Perils covered under Standard Fire And Special Perils Policy for Dwelling
Fire( excluding own fermentation, natural heating or spontaneous combustion, undergoing heating or drying process, burning of property by order of public authority).
Explosion / Implosion(excluding boilers, economizers, vessel in which steam is generated).
Aircraft Damage (excluding loss caused by pressure waves).
Riots, Strike, Malicious damage - physical damage by external violent means.
Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, And Inundation.
Impact Damage by rail/road vehicles not belonging to insured or their employee.
Subsidence, Land/Rock Slide.
Bursting, Over flowing of water tanks, Apparatus and Pipes.
Leakage of automatic Sprinkler (excluding repairs or alteration of building).
Missile testing Operations.
Bush Fire (excluding forest fire).
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