Dwelling, Buildings, And Contents Insurance
What Does Dwelling, Buildings, And Contents Insurance Mean?
Dwelling, buildings, and contents insurance (DB&C) is a comprehensive property insurance policy that covers both the structure of a home or building and the contents inside it against certain specified perils, up to predetermined coverage limits.
Insuranceopedia Explains Dwelling, Buildings, And Contents Insurance
DB&C insurance represents a more comprehensive insurance option compared to standard policies. A homeowner may choose dwelling insurance, which covers only the structure of the dwelling and not its contents. Similarly, a business owner may opt for building insurance, but this will not cover the property inside the building.
To offer a more all-encompassing solution, many insurance companies have combined these types of policies into DB&C insurance. This coverage includes protection for the building or dwelling as well as attached units, such as garages and sheds. Additionally, it provides content coverage, which can include both off-premises household items and personal property.
