Comparing Home & Dwelling Insurance | Home Insurance | Shelter Insurance®

Comparing Home Insurance and Dwelling Insurance

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Not sure whether home insurance or dwelling insurance is right for you? Compare the differences below.

Covered Losses

 Dwelling InsuranceHome Insurance
Fire x x
Lightning x x
Wind or hail x x
Explosions x x
Smoke x x
Riot x x
Damage by aircraft x x
Damage by non-owned vehicles x x
Loss caused by owned vehicles   x
Volcanic eruption   x
Vandalism optional x
Theft optional x
Construction Theft optional optional
Actions of thieves (damage to structure) optional x
Breakage of glass optional x
Falling objects optional x
Weight of ice, snow, or sleet optional x
Collapse of buildings optional x
Escape of water from plumbing optional optional
Freezing of plumbing or heating systems optional x
Earthquakes optional optional
Chemical or acid spills   dwelling coverage only
Accidental damage to building   dwelling coverage only
Spilled paint   dwelling coverage only
Water backup resulting from ice blockage   dwelling coverage only

Covered Liabilities

 Dwelling InsuranceHome Insurance
Your household pets optional x
Fire optional  x
Damage to property of others optional x
Medical expenses for others injured on premises optional x
Lawsuits based on your negligence optional x
Unintentional activities optional x


Home insurance also offers a greater breadth of coverage options compared to dwelling insurance.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.