What type of policy primarily covers structures where the actual owners live?

The Homeowners Policy Form is specifically designed to provide coverage for residential properties where the actual owners reside. This type of policy not only covers the physical structure of the home but also provides personal property coverage, liability protection, and additional living expenses if the home becomes uninhabitable due to a covered loss.

The key aspect that distinguishes the homeowners policy from other options is that it is tailored for owner-occupied residences, which means the person purchasing the policy also lives in the home. This policy typically includes comprehensive coverage for both the dwelling itself and the personal belongings within it, along with necessary liability protections against accidents that might occur on the premises.

In contrast, dwelling policies are more often associated with properties that may not be owner-occupied or may cater to rental properties without the broader protections included in homeowners policies. Commercial property policies are designed for non-residential buildings and businesses, while landlord insurance policies focus on protecting rental properties owned by landlords and may not include personal liability or personal property coverage in the same manner as homeowners policies do.