Dwelling Policy (DP)Question 253 of 474
A family owns a lakeside cottage they use only in summer and rent to no one. Coverage on the cottage is:
a.Unavailable, because seasonal homes cannot be insured
b.Available only on a homeowners form for second homes
c.Available only if the cottage is occupied year round
d.Available on a dwelling policy as a seasonal dwelling
Explanation
Seasonal dwellings are within the dwelling program, which is one reason producers reach for it when a homeowners form does not fit the occupancy. The answer requiring year-round occupancy confuses eligibility with the vacancy condition, which suspends certain perils after a stated period rather than barring the policy from being written.
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Related questions on this topic
- A major difference between a Dwelling policy and a Homeowners policy is that the Dwelling policy:
- Compared with a homeowners policy, a dwelling policy is best described as:
- Which risk is eligible for coverage under a standard dwelling program?
- The unendorsed basic form of the dwelling policy insures the building against:
- Which group of perils does the extended coverage endorsement add to a basic dwelling form?
- A windstorm tears shingles off a dwelling insured on an unendorsed basic form. The loss is:
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