Dwelling coverage is the part of your landlord insurance policy that protects the physical structure of the property—walls, roof, foundation, and attached features like garages. It’s what pays to repair or rebuild the property in case of fire, storms, vandalism, or other covered events. Having the right level of dwelling coverage is critical, especially if you’re investing remotely or relying on professional property management. At Meridian, we recommend working with an investor-friendly insurance agency that understands new construction rentals and can help you match coverage levels to rebuild costs.
