Dwelling Policy Practice Test

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

1. 3

2. 4

3. 5

4. 6

The correct answer is: 5

The maximum number of roomers or boarders allowed for properties insured under a dwelling policy is five. This limit is specified in the coverage guidelines for dwelling policies, particularly designed for residential properties that do not qualify for standard homeowners insurance. Having roomers or boarders can be a way for homeowners to generate additional income, but insurance providers impose a cap to manage risk associated with the number of occupants. When there are more than five roomers or boarders, the property would generally no longer be in compliance with the dwelling policy requirements, which could result in coverage issues or potential denial of claims. The other options reflect lower limits, which do not align with the established maximum of five, thus providing less flexibility for homeowners seeking to rent out space. Understanding this limit is crucial for homeowners to ensure they maintain adequate coverage and comply with their insurance policy terms.