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Home Insurance

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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-unit residential property, while dwelling forms may cover a structure containing up to four living units.


An owner of property having more than four units must look for commercial forms of coverage. Dwelling policies are primarily issued to cover non-owner occupied buildings.