This refers to the structure of the building or structure of the house. These include the foundation, the walls, and the roof of the house. This can also provide additional coverage to the structures that bind to the building like sheds, and garages or a deck. This can be affixed to the coverage if the damage is due to certain perils like fire, lightning, explosion and etc. Take note that this coverage is applicable only depends on what type of dwelling property you own. There’s a certain type of dwelling coverage on different kinds of dwelling property. This can also cover your other structure like the structures that do not bind to your house but inside your real premises. For an example of a detached garage, gazebo etc.
Personal Property Protection
This is a protection for your personal belongings. For instance, the furniture you have got damaged due to fire or electric kettle has been stolen. Personal property can help you pay for the repair of that damaged furniture and it can also help to replace your belongings. But you can also purchase extended coverage for your jewelry, watches and other expensive personal properties that can protect you more because it has a value that is beyond your personal property limit. You can add floaters with agreed value settlement or blanket policy for this kind of personal belongings. Like jewelry, furs, and etc.