A California Personal Lines broker-agent is asked to write property coverage for a client. Which of the following risks is BEST suited for an ISO Dwelling Policy and within the broker's license scope?
Explanation
The Personal Lines license under Cal. Ins. Code §1625.5 covers personal auto and one-to-four-family residential dwellings owned by an individual. A single-family rental house owned in the client's own name fits both the DP eligibility rules (no more than four units) and the Personal Lines license scope, and it is the textbook landlord use of the Dwelling Policy. A six-unit building exceeds the four-unit DP ceiling, an office building is a commercial fire risk outside Personal Lines, and a condo association's common-area structure is a commercial habitational risk that belongs on a separate commercial policy.
Law Reference: Cal. Ins. Code §1625.5; ISO Dwelling Property eligibilityThis 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 →
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Related questions on this topic
- Which ISO Dwelling Property form provides open-perils (special form) coverage on the dwelling structure but continues to insure personal property on a named-perils basis?
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