Dwelling Policy (DP)Question 283 of 474

A dwelling policy is written on a house that is still being built. Under the standard forms, that building is:

a.Treated as vacant until furniture is moved into it
b.Covered once a certificate of occupancy is issued
c.Insured only for materials sitting on the job site
d.Not treated as vacant while construction continues

Explanation

The dwelling forms state that a building under construction is not considered vacant, so the vacancy condition that suspends vandalism and certain other perils does not bite during the build. A certificate of occupancy is a municipal document, not a condition of coverage, and the dwelling limit insures the structure itself as well as materials on site.

This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →

Practice all 474 questions free — no signup required.

Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →

Related questions on this topic

Last reviewed: · editorial process

PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review
Report