What standard does a dwelling property policy generally NOT cover?

A dwelling property policy typically covers residential properties that are tenant-occupied or rented out, which is why options related to rental properties or residential premises with tenants are included in its coverage. The policy is designed to protect the structure and certain risks associated with it, making it suitable for primary residences and investment properties alike.

In the context of unoccupied vacation homes, while these properties can sometimes be covered, many dwelling policies impose restrictions on coverage when the property is unoccupied for an extended period. Insurers often consider these homes to be at greater risk for issues like vandalism or maintenance problems, which may lead to a higher likelihood of claims. Therefore, they may exclude unoccupied properties or require a more specialized policy for coverage to ensure that the potential risks are adequately addressed.

Makeshift residences often do not fall under standard dwelling policy definitions as they may not meet conventional building codes or safety standards. As a result, they could be excluded from coverage.