What type of properties does Dwelling insurance typically cover?

Dwelling insurance is designed to provide coverage for residential properties that are not primarily intended for commercial use. This type of insurance typically includes both owner-occupied homes and rental properties, making it a versatile option for homeowners and landlords alike. It encompasses single-family homes, duplexes, and sometimes multi-family units, offering protection against risks such as fire, theft, and certain types of damage.

Coverage is essential for those who may rent out their properties, ensuring protection not only for the structure itself but also for the specific risks associated with rental scenarios. This makes dwelling insurance appropriate for a broader range of residential properties, accommodating owners who live in their homes while also catering to landlords who rent out their units.

The other options focus on more narrow definitions that do not accurately encompass the full scope of dwelling insurance coverage. For instance, restricting coverage solely to owner-occupied homes ignores the significant number of properties used as rentals that also require protection. Similarly, vacant buildings and commercial properties do not fit within the classification of dwelling insurance, which is aimed primarily at residential structures. Thus, the correct understanding of dwelling insurance includes its application to both owner-occupied and rental properties.