Under Farm Property policy, which structure is not considered a dwelling?

• A. Residential home owned by insured
• B. Barn used in farming operations
• C. Attached structure used as farm office
• D. Mobile home used as residence

Answer: (B)

Under a Farm Property policy, a dwelling is any building that the insured uses as a residence on the farm. Structures that support farming operations are treated as farm buildings, not dwellings, even though they’re on the same property. So a residential home owned by the insured clearly qualifies as a dwelling. An attached structure used as a farm office is connected to the living space and is generally considered part of the insured location, not a separate dwelling. A mobile home used as a residence is itself a dwelling because it serves as living space. The barn used in farming operations is not used as a living space, so it’s not considered a dwelling under the policy.