Dwelling Policy

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A dwelling policy is an insurance policy that property owners can buy that typically protects only the structure of the dwelling itself. Some coverage for the contents of the dwelling may sometimes be included as well. It is therefore a more restrictive type of homeowners insurance policy. Dwelling polices are not very common; they are often used to insure seasonal homes that are only in use for part of the year. Standard flood insurance polices issued under the National Flood Insurance Program are typically dwelling polices.