What it does
Removes dwelling-form restrictions for a described permitted incidental occupancy.
Who needs it
Dwelling insureds who use part of the dwelling for an office, studio or similar incidental occupancy.
Quoting and selling notes
- Liability for the occupancy needs DL 24 09 on the personal liability supplement.
Editions and availability
Current edition 12 02, replacing 07 88. Carriers adopt ISO editions state by state, so the edition on a given policy can lag the newest one.
Program notes
Dwelling policies are written for the property owner, not the occupant, and are the usual vehicle for landlords of one- to four-family dwellings. Because the forms carry no liability coverage, review every dwelling file together with DL 24 01 (or the homeowners or commercial policy that provides premises liability), and with any personal umbrella the client carries.
