Póliza de Vivienda (DP)Pregunta 292 de 531
A key difference between a Dwelling policy and a Homeowners policy is that the Dwelling policy:
a.Covers personal property but not the structure itself
b.Does not automatically include personal liability coverage
c.Includes broader theft and liability coverage as standard
d.Can be written only on an owner-occupied family home
Explicación
Dwelling (DP) policies are designed primarily for property coverage on residences, including rentals and non-owner-occupied homes, and they do not automatically include personal liability or medical payments coverage; liability must be added by endorsement. Homeowners policies package property and personal liability together. This makes the Dwelling form flexible for landlords and situations that do not fit a standard Homeowners eligibility.
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