a room or suite of rooms and its accessories in a permanent building or structurally separated part thereof which by the way it has been built, rebuilt, converted, etc, is intended for private habitation
This amount of insurance applies to the dwelling described in the policy and any attached structures. Building equipment and outdoor equipment used for servicing of the building and located on the described premises is also covered. Back to list of terms.
Your “dwelling” coverage applies to your home and “attached structures” such as a garage or carport. Permanently installed outdoor equipment on the premises, such as a swimming pool and the equipment attached to it, is included. Building materials for use in construction, alteration or repair of the insured dwelling or related structures on the premises are covered, too, if they are on the site or adjacent to it. Theft and vandalism losses during construction are usually not covered. You may apply up to 10% of the amount of insurance on your dwelling to insure building fixtures and fittings, such as mirrors or air conditioners that may have been removed temporarily for repair or seasonal storage. You may apply up to 5% of your insurance to trees, plants and shrubs (weather damage excluded); but there is often a limit for any one item. Separate structures and buildings on the same premises as the primary dwelling are also covered for specified amounts, usually up to 10% of the main coverage. This could apply to detached garages, tool sheds, retaining walls, and even landscaping. If 10% seems too low, consider buying additional coverage.
Any building, or portion thereof, which is designed or used primarily for residential purposes, including single family, two family, or multifamily but not including hotels, motels, boarding houses, lodging houses, and tourist dwellings. An attached garage for purposes of determining the front, side and rear yards, shall be considered a part of the dwelling.
Dwelling - as well as being a term for a house, or for living somewhere, or for lingering somewhere - is a philosophical concept which was developed by Martin Heidegger. This approach to being-in-the-world, has, and is being, used in various branches of the social sciences to think about landscape, place and nature society relations.