Dwelling Policy (DP)Question 265 of 474
A structure on the described premises rented to someone who is not a tenant of the dwelling is:
a.Covered as an other structure without any condition
b.Excluded, unless it is used only as a private garage
c.Covered under the dwelling limit instead of Coverage B
d.Excluded, because rented buildings are commercial risks
Explanation
The other structures coverage does not extend to a structure rented or held for rental to anyone who is not a tenant of the dwelling, with a private garage as the recognised exception. The answer covering it with no condition ignores that carve-out, and renting a structure does not by itself convert the premises into a commercial risk.
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- After an unexplained loss to a dwelling written on an open-perils form, the burden of proof:
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