What is meant by the term "dwelling"?

The term “dwelling” within the context of an insurance policy refers to a house, apartment, or other residence. In insurance terms, a dwelling also may include:

  • Attached structures, like a carport or garage
  • Permanently installed outdoor equipment, like a pool and the pool equipment attached to it
  • Building materials on or adjacent to your property
  • Plants, trees and shrubs (note though, that coverage is a very small amount per item, are only for certain specific perils, none of which are weather related)

The term “unit” is generally used to refer to a condominium.

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