What’s the difference between homeowners and dwelling policy?
Generally speaking, dwelling policies are less comprehensive than homeowners policies.
Homeowners insurance policies are sold as a package that can include coverage for property, liability, contents, theft and water backup coverage.
Dwelling policies were initially designed for vacant or non-owner occupied, rental properties, therefore do not provide extensive coverage.
Coverage for both dwelling and homeowners can vary so it is important to understand your specific policy.
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