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Dwelling Form Codes

Dwelling form codes describe landlord and non-owner-occupied property policies. DP-3 is the most common form for rental properties, providing open-peril coverage on the structure with optional rental income coverage.

Industry codes for landlord and non-owner-occupied dwelling policies. DP-1 is a basic named-peril form, often used for vacant or hard-to-place homes. DP-2 is broad named-peril. DP-3 is the most common landlord form: open peril on the structure with optional contents and loss-of-rents coverage. Example: a single-family rental property leased year-round is typically written on DP-3 with $250,000 dwelling, $30,000 other structures, $50,000 personal property for landlord-owned items, and 12 months of fair-rental value coverage.