Dwelling Policy (DP)Question 281 of 474
A landlord insuring a rented house wants the building, the appliances she supplies, and her rental income protected. She needs:
a.Coverages A and B, plus Coverage E for the tenant
b.Coverage C alone, because the tenant owns the home
c.Coverages A and C written along with Coverage D
d.Coverage A only, since the tenant insures the rest
Explanation
The dwelling limit covers the building, the personal property limit covers appliances and furnishings the landlord owns and keeps on the premises for the tenant's use, and fair rental value replaces income lost while repairs are made. Additional living expense would respond to the insured's own household costs, which a nonresident landlord does not have.
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