Under a Dwelling Policy, all of the following are eligible, EXCEPT which?

Under a Dwelling Policy, all of the following are eligible, EXCEPT which?

• A. A rental apartment in a commercial building
• B. A 1-6 family dwelling
• C. A two-family dwelling owned by a corporation
• D. A mobile home

Answer: (B)

Dwelling policies are designed for residential properties with up to four separate dwelling units. That unit limit is the main rule driving eligibility. A dwelling with six units clearly exceeds this limit, so it isn’t eligible under a Dwelling Policy. The other scenarios stay within the four-unit cap or are typically covered with standard endorsements: a rental apartment in a commercial building can be insured as a dwelling unit within a mixed-use property if the total number of units doesn’t exceed four; a two-family dwelling is within the four-unit limit; and a mobile home can be insured under a Dwelling Policy with the appropriate setup or endorsement. So the six-unit configuration is the one that does not fit the policy’s eligibility.

Dwelling policies are designed for residential properties with up to four separate dwelling units. That unit limit is the main rule driving eligibility. A dwelling with six units clearly exceeds this limit, so it isn’t eligible under a Dwelling Policy. The other scenarios stay within the four-unit cap or are typically covered with standard endorsements: a rental apartment in a commercial building can be insured as a dwelling unit within a mixed-use property if the total number of units doesn’t exceed four; a two-family dwelling is within the four-unit limit; and a mobile home can be insured under a Dwelling Policy with the appropriate setup or endorsement. So the six-unit configuration is the one that does not fit the policy’s eligibility.