What is the maximum number of roomers or boarders for properties insured under the dwelling policy?

The maximum number of roomers or boarders allowed for properties insured under a dwelling policy is five. This is significant because it defines the boundaries of what the dwelling policy is designed to cover. A dwelling policy is typically used for properties that are rented out or used as residences for non-related parties, but it limits the number of occupants who can be classified as roomers or boarders to ensure the risk remains manageable.

By allowing up to five roomers or boarders, the policy maintains a balance between providing coverage for rental situations and not extending coverage to properties that would be considered more like commercial establishments, which would require different types of insurance policies. Understanding this limit is crucial for ensuring compliance with policy terms and adequately deciding on coverage needs, especially for landlords or homeowners considering renting out parts of their property.