Dwelling Policy


Dwelling Policies are issued for:

  • Owner or Tenant Occupied 1 – 4 family unit dwelling with no more than five roomers or boarders in total, including trailer homes, mobile/manufactured homes, or floating homes used exclusively for dwelling purposes at a fixed location. Owner occupancy is defined as a building in which at least one unit is occupied by the owner. As an example, in a four unit building, if three units are occupied by tenants and one unit is occupied by the owner, then the building is considered “owner occupied.” Tenant occupancy is defined as a building in which every unit is occupied by tenants. 1-4 family dwelling unit properties that are rented in part or in whole for a term of less than one year (e.g. through a vacation rental site such as Airbnb) should be submitted under a dwelling application.
  • Seasonal (Owner or Tenant) – A building occupied typically less than three months a year. Properties that are rented to a continuous tenant for a season are considered seasonal tenant. 
  • Vacant 1 – 4 family unit dwelling including trailer homes, mobile/manufactured homes, or floating homes under certain limited circumstances if, at time of application, the property: is in good condition; is secured against trespass with all doors and windows locked; has no broken windows; is not boarded up; and has not been vacant for longer than one year
  • Personal Property for Renters
  • Personal Property and Improvements, Alterations, and Additions for Condominium Unit Owner.