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...

Full Bio →

Written by

UPDATED: Feb 24, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.