Can homeowners protect secondary or vacation homes under a Dwelling Policy?

Homeowners can indeed protect secondary or vacation homes under a Dwelling Policy. This type of insurance is specifically designed to cover properties that are not typically occupied by the owner as their primary residence. Unlike homeowners insurance, which is primarily intended for a person's main dwelling, a Dwelling Policy accommodates various residential situations, including secondary homes, vacation properties, and rental units.

This flexibility allows homeowners to obtain coverage tailored to their needs for these types of properties. It covers risks such as fire, theft, and certain types of liability, making it a suitable option for individuals who have vacation homes or residences they do not occupy year-round.

While some insurers may have specific guidelines or limitations for secondary homes, the underlying principle is that Dwelling Policies can indeed provide the necessary coverage for these properties, distinguishing them from policies meant exclusively for primary residences.