What does Coverage A in homeowners policies insure?

Coverage A in homeowners policies primarily insures the structure of the home itself, meaning the physical building where you live, along with any permanently attached structures such as an attached garage, deck, or patio. This coverage is essential as it provides financial protection in the event of covered perils like fire, theft, or certain types of damage that could occur to the dwelling.

In the context of homeowners insurance, the focus is on the dwelling and its fixed components, ensuring that if disaster strikes, the homeowner can repair or rebuild their primary residence. This coverage is separate from protection for personal belongings, which falls under different sections of the homeowners policy, typically referred to as Coverage C. Similarly, protection for other structures on the property, such as a detached garage or shed, is generally covered under another section. The land itself, while valuable, is not insurable under Coverage A as it does not suffer damage in the same way structures do. Thus, the definition of Coverage A aligns specifically with the dwelling and its permanent fixtures.