Plain-English meaning
Coverage for the insured home's structure and attached components, commonly labeled Coverage A on homeowners forms.
Why it matters
The limit and settlement terms influence available funds to repair or rebuild after a covered loss.
Where you may see it
Declarations, replacement-cost estimates, mortgage requirements, and property coverage sections.
What to verify
Reconstruction assumptions, limit, settlement method, extension, exclusions, and ordinance or law coverage.
Do not confuse it with
Market value and land value, neither of which directly equals reconstruction cost.
For policy-specific meaning, read the definition and related provision in the issued policy.