Florida General Lines Agent Practice Exam 2025 - Free General Lines Agent Practice Questions and Study Guide

In the context of dwelling programs, owner-occupied dwellings are typically covered under standard homeowners policies rather than specific dwelling programs designed for rental or investment properties. The dwelling program is designed for properties that are not primarily occupied by the owner, such as rental properties or those intended for occasional use. Therefore, residential properties where the owner lives full-time are not within the scope of coverage provided by these dedicated insurance programs.

In contrast, properties such as two-family residences and one to four-family residences can be included in dwelling programs if they are used as rental units. Additionally, properties owned by corporations often fall into the category of investment properties, which can also be covered by dwelling programs. This distinction highlights why owner-occupied dwellings do not fit the coverage parameters of a typical dwelling program.