Dwelling and homeowner coverages are one of those classified as personal lines insurance. These coverages may only be written for properties, which are used principally for private residential purposes and named insured is usually an individual or a married couple.
Many dwellings in the USA are insured by homeowner policies, but dwelling policies
are still issued for a variety of reasons. Some dwellings are ineligible for homeowners
coverage because of the building’s age, location or value. Other dwellings are ineligible
because of the number of living units involved – a homeowner’s policy may be used
to cover one – or two-
An owner of property having more than four units must look for commercial forms of
coverage. Dwelling policies are primarily issued to cover non-