Who typically would the homeowner policy form cover?

The homeowner policy form is designed specifically for owner-occupied residential properties. This type of insurance provides coverage for a dwelling that the owner lives in, along with personal property within the home. It also typically includes liability coverage for injuries or accidents that occur on the property. Such policies are tailored to meet the needs of homeowners, acknowledging the unique risks associated with residential living.

In contrast, properties rented to tenants generally require a different type of insurance policy, such as a landlord policy, which addresses the specific risks of owning rental property. Vacant land doesn't have structures that need insuring, thus wouldn't be covered under a homeowner policy. Similarly, commercial buildings have their own insurance requirements and risk profiles that differ significantly from those of residential properties, requiring specialized commercial property coverage.