What type of buildings generally qualify for Dwelling Policies?

Dwelling Policies are designed to provide insurance coverage for residential properties that are not occupied by the owner, unlike homeowners insurance, which covers owner-occupied homes. This category typically includes structures that house one to four families, making these properties suitable for Dwelling Policies. The flexibility in coverage allows for a variety of situations, such as single-family homes, duplexes, triplexes, and fourplexes.

The characteristics of one-to-four family dwellings make them ideal candidates for policies covering risks related to residential properties. These dwellings can be either seasonal, rental, or even owner-occupied, as long as the structure fits within the specified limits for coverage under Dwelling Policies.

In contrast, municipal buildings and libraries, commercial buildings exceeding four stories, and multi-family units only do not fall under the scope of common Dwelling Policies. These other types generally require different forms of insurance that cater specifically to commercial properties, multi-family housing that may have more complex risks, or community structures that do not fit the personal dwelling category.