Which of the following properties is eligible under NFIP General Property Form when seeking building and contents coverage?

• A. A single-family home with 1 unit
• B. An apartment building with 6+ units
• C. A 3-unit residential building
• D. A farm silo

Answer: (B)

NFIP General Property Form coverage is intended for buildings that aren’t insured under the standard dwelling policy, typically larger multi-unit residential buildings or certain non-residential properties. It does not cover small residential structures and it excludes farm-related structures.

A single-family home is usually covered under the dwelling policy rather than the General Property Form. A 3-unit residential building is also commonly insured under the dwelling policy. A farm silo is a farm structure and NFIP generally excludes farm buildings from this form.

An apartment building with six or more units fits the GP Form’s target: a larger multi-unit property that falls outside the small-residential category, making it eligible for building and contents coverage under the General Property Form.