Under a dwelling policy, who is insured when the policy includes Coverage A (dwelling)?

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Multiple Choice

Under a dwelling policy, who is insured when the policy includes Coverage A (dwelling)?

Explanation:
Coverage A covers the physical dwelling itself on the residence premises, and the insured is the person who owns that dwelling or has the insurable interest and is named on the policy. That makes the buildings owner the insured for this coverage. A tenant isn’t covered for the building under Coverage A, since they don’t own the dwelling. The mortgagee has protections via a mortgagee clause, not as the insured under Coverage A. The insurer is not insured. So the buildings owner is the best answer.

Coverage A covers the physical dwelling itself on the residence premises, and the insured is the person who owns that dwelling or has the insurable interest and is named on the policy. That makes the buildings owner the insured for this coverage. A tenant isn’t covered for the building under Coverage A, since they don’t own the dwelling. The mortgagee has protections via a mortgagee clause, not as the insured under Coverage A. The insurer is not insured. So the buildings owner is the best answer.

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