Single-Family Dwelling if the structure is a residential single-family building, or a single-family dwelling unit in a condominium building; incidental occupancies are permitted if limited to less than 50% of the building’s total floor area. This category includes a residential townhouse/rowhouse, which is a multi-floor unit divided from similar units by solid, vertical, load-bearing walls, having no openings in the walls between units and with no horizontal divisions between any of the units.
For mixed-use buildings with more than one single-family unit, the building is classified as either nonresidential business or other non-residential if more than 25 percent of the total floor area is used for business or other non-residential purposes.
For a single-family building (e.g., detached house, townhouse, or rowhouse), the building is classified as either non-residential business or other non-residential if 50 percent or more of the total floor area is used for business or other non-residential purposes.
NOTE: Incidental occupancies are offices, private schools, studios, or small service operations within a residential building.
2-4 Family Dwelling if the structure is a residential building that contains 2–4 units; incidental occupancies (see note above) are permitted if the total area of such occupancies is limited to less than 25% of the total floor area within the building. This category includes apartment buildings and condominium buildings. This excludes hotels and motels with normal room rentals for less than 6 months.
Other Residential Building if the structure is a residential building that contains more than 4 apartments/units; incidental occupancies (see note above) are permitted if the total area of such occupancies is limited to less than 25% of the total floor area within the building. This category includes condominium and apartment buildings as well as hotels, motels, tourist homes, and rooming houses where the normal occupancy of a guest is 6 months or more. Examples of other residential buildings include dormitories and assisted-living facilities.
Non-Residential Business if the named insured is a licensed commercial enterprise that produces income and coverage is for:
A building that is designed as a uninhabitable building, or
A mixed-use building in which the total floor area devoted to commercial uses exceeds 25 percent of the total floor area within the building, or
A building designed for use as office or retail space, wholesale space, hospitality space, or for similar uses.
This occupancy includes but is not limited to:
Small businesses
Mercantile buildings
Commercial agricultural buildings
Industrial buildings
Warehouses
Commercial garages
Nursing homes
Licensed bed-and-breakfasts
Hotels and motels with normal room rentals for fewer than 6 months.
Other Non-Residential if the policy is insuring an uninhabitable building or a mixed-use building that does not qualify as a residential building or a non-residential business property.
This occupancy includes but is not limited to:
Houses of worship
Non-profit buildings
Schools
State and local government buildings
Non-commercial farm buildings (including grain bins and silos)
Agricultural buildings not used as part of a business
Tool and storage sheds
Garages
Pool houses
Club houses