Roof coverage in Homeowners Insurance?

Roof coverage in Homeowners Insurance?

1. What types of roof coverage are typically available in a standard Homeowners Insurance policy?

Roof Coverage in Homeowners Insurance

When buying homeowners insurance, choosing the right coverage for your roof is essential. Having the right coverage can save you thousands of dollars in repairs and replacements if your roof is damaged or destroyed. Here is what you need to know about roof coverage in homeowners insurance.

Types of Roof Coverage

There are two primary types of roof coverage included in homeowners insurance:

  • Actual Cash Value (ACV) Coverage: ACV coverage pays only for the current value of the roof. This means that if the roof is damaged or destroyed, the insurer will pay out only enough money to replace it with a similar one, minus any applicable depreciation.
  • Replacement Cost Value (RCV) Coverage: RCV coverage pays for the cost to replace the roof with one of the same kind, quality and size. This means that the insurer will pay enough money to replace the roof with a similar one, even if the current value of the roof is less than its original cost.

What Does Roof Coverage Cover?

Homeowners insurance generally covers roof damage due to certain events, including:

  • Hail
  • Wind
  • Fire and lightning
  • Falling objects
  • Weight of ice and snow
  • Vandalism and malicious mischief

The coverage limits of your insurance policy will specify which of these events are covered and up to what amount.

How Much Does Roof Coverage Cost?

The cost of roof coverage in a homeowners insurance policy will vary depending on the type of roof, the value of the roof, your location, and the amount of coverage you select. On average, roof coverage costs anywhere from 5-20% of the total premium depending on these factors.

When comparing quotes from insurers, it is important to understand the coverage limits and type of coverage included in the policy. This will help ensure that you can replace or repair your roof if it is ever damaged or destroyed.


Having the right roof coverage included in your homeowners insurance can help protect you from a costly repair or replacement if your roof is damaged or destroyed. It is important to understand the types of coverage available and the costs associated, so you can make an informed decision when choosing homeowners insurance.

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