What standard does a dwelling property policy generally NOT cover?

A dwelling property policy is specifically designed to provide coverage for a range of residential properties. However, one aspect that it generally does not cover is unoccupied vacation homes. This is because these types of properties may fall under a different category of insurance needs, as they are not occupied regularly. Insurance providers often view unoccupied properties as higher risk due to potential maintenance issues, vandalism, or problems arising from undetected damages that can occur over time without someone living there to observe them.

In contrast, options such as makeshift residences, residential premises with tenants, and rental properties may be covered under certain conditions, as they fall within the broad scope of what dwelling property policies can insure. These types of properties are typically recognized as having more consistent occupancy, which reduces risk in the eyes of insurers and can allow for broader coverage options.