A major difference between a Dwelling policy and a Homeowners policy is that the Dwelling policy:
Explanation
A Dwelling policy is primarily a property policy and does not automatically include personal liability or medical payments coverage; liability must be added by endorsement. A Homeowners policy packages property and personal liability together. This flexibility makes the Dwelling policy suitable for rentals and homes that do not qualify for Homeowners coverage, where liability may be handled differently.
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Related questions on this topic
- A landlord who rents out a single-family house and needs to insure the building and lost rental income would most appropriately use a:
- Which Dwelling form insures the dwelling on an open-perils basis, providing the broadest property coverage?
- Under a Dwelling policy covering a rented home, the coverage that reimburses the owner for lost rent while the home is being repaired after a covered loss is:
- Compared with a homeowners policy, a dwelling policy is best described as:
- Which risk is eligible for coverage under a standard dwelling program?
- A family owns a lakeside cottage they use only in summer and rent to no one. Coverage on the cottage is:
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