6.1 Eligibility

Most Homeowners policy forms require the named insured to own and occupy the insured dwelling as their primary residence. Two forms are designed as exceptions to this general eligibility requirement: the Contents Broad Form (HO–4), also known as the Tenant's Form, and the Unit-Owners Form (HO–6). The HO–4 is intended for tenants who occupy a rented dwelling or apartment unit. Because the tenant does not own the building, coverage primarily protects the tenant's personal property. The HO–6 is designed for individuals who own or occupy a condominium or cooperative unit. Coverage focuses on the insured's personal property and any portion of the building that the insured owns or is responsible for insuring.

Eligible residential dwellings may contain between one and four residential units, with no more than two roomers or boarders per family. Although most Homeowners policies insure the named insured's primary residence, an eligible secondary residence may also be covered. Similar to the Dwelling Program, a limited incidental business occupancy is permitted as long as the property is used primarily as a residence. Examples include a professional office, instructional studio, beauty shop, or school operated from the premises.

A dwelling under construction is eligible for Homeowners coverage if the named insured intends to occupy it as their primary residence once construction is complete. Mobile homes may also qualify for coverage when the appropriate endorsement is added to the policy.

Residential farm dwellings are not eligible for coverage under a Homeowners policy. These properties must be insured under a separate policy designed for farm-related residential and operational risks.