Can a dwelling policy be used to cover a second home?

A dwelling policy can indeed be used to cover a second home, provided it meets certain underwriting criteria. This means that the insurer will evaluate factors such as the location, condition, occupancy status, and any potential risks associated with the property. If the second home is deemed insurable after this assessment, the policy can be issued.

Typically, dwelling policies are designed for residential properties that are not owner-occupied, making them suitable for second homes that the owner does not live in full-time. This flexibility allows homeowners to protect their investment in a secondary residence, whether it be a vacation home or an investment property.

The other options suggest limitations that are not inherent to dwelling policies. For example, some imply restrictions on the number of properties covered or conditions tied strictly to rental purposes or state boundaries, which do not accurately reflect the policy's capabilities in insuring secondary residences.