dwelling extension

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 24, 2016

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Insurance Question from Asbury, IA

Asked on 02/24/2016

dwelling extension Why the charge when there is no extension and there will not be an extension in the future? Isn't this illegal?

Answer given on March 15, 2016

The term dwelling extension has two possible meanings. It is presumed you mean appurtenant/other structures coverage under the homeowner policy. This provides coverage for a separate structure such as a detached garage, swimming pool or a fence. The homeowner policy is a package policy. The premium is based on the amount of insurance on the main dwelling. Other structures, personal property and loss of use or additional living expenses are a percentage of the dwelling amount. If you do not have other structures then there is no coverage. However, you cannot take that coverage off, since you are not really paying any additional premium for it. Should you decide to erect a fence, then you would have coverage for it automatically.If by dwelling extension you mean the additional coverage provided in the event the home is under insured, this too is a part of the general policy. It provides a percentage of additional insurance in case the estimated replacement cost determined by the insurance company is too low. This gives you additional protection in the event of a total loss.

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