Dwelling Policy (DP)Question 297 of 531
Which of these buildings could NOT be insured under a dwelling policy?
a.A home still under construction
b.A twelve-unit apartment house
c.A house rented to a single family
d.A cabin lived in only in summer
Explanation
Dwelling forms are written for residences holding a small number of family units, so a twelve-unit apartment building is a commercial habitational risk that belongs on a commercial property or package policy. Seasonal dwellings, rented dwellings, and dwellings under construction are all ordinary dwelling-program risks. Owner occupancy is not required by the dwelling forms.
This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- Under a Dwelling policy, coverage for the physical house structure is provided under:
- A landlord who rents out a house wants to insure the loss of rent if the home becomes uninhabitable after a covered fire. This need is met by:
- A homeowner moves out of her house, rents it to a family, and asks to keep her homeowners policy on it. Her producer must move the risk to a dwelling policy because:
- A builder needs coverage on a house he is putting up, including the lumber and fixtures stored on the site. The usual answer is:
- A dwelling policy is written on a house being built for the owner who will live in it. The Coverage A limit should be set at:
- On a dwelling policy carrying vandalism coverage, letting the building stand empty matters because vandalism is:
Last reviewed: · editorial process
PrepPass team · Verified against California Property & Casualty Insurance License Exam · How we review