Mississippi Property & Casualty Practice Exam

Which of the following can be covered under a dwelling policy?

1. Permanent mobile home

2. Commercial buildings

3. Single-family residences only

4. Vacation homes only

The correct answer is: Permanent mobile home

A dwelling policy is designed to provide specific coverage for various types of residential properties. This includes properties that might not fit neatly into a standard homeowners policy, which is focused more on owner-occupied single-family homes. A permanent mobile home qualifies under a dwelling policy as it serves as a residential unit, meeting the coverage guidelines stipulated in the policy. In contrast, commercial buildings are not eligible for coverage under a dwelling policy since these policies are primarily intended for residential, not commercial, use. The distinction between single-family residences and vacation homes is also significant; while a dwelling policy can cover single-family residences, it is not limited exclusively to them, as it can also extend to other types of residential properties including vacation homes. Therefore, the permanent mobile home is the correct example of a property that can adequately be covered under a dwelling policy.