ELIGIBILITY

1. Coverage A - on a dwelling building:
   1. Used solely for residential purposes except that certain incidental occupancies or up to 5 roomers or boarders are permitted;
   2. Containing not more than four apartments; and
   3. Which may be in a townhouse or row house structure; or
   4. In course of construction.
2. Coverage A - on a mobile or trailer home:
   1. Using Form DP 00 01 only;
   2. Used solely for residential purposes except that certain incidental occupancies or up to 5 roomers or boarders are permitted;
   3. Containing not more than one apartment;
   4. For a policy period of not longer than one year; and
   5. At the permanent location described in the policy.

3. Coverage B:
   1. At the same location as the dwelling eligible for insurance under Coverage A;
   2. Not used for business purposes except a permitted incidental occupancy or when rented for use as a private garage;
   3. At a separate location when used in connection with the insured location but not for business purposes.
4. Coverage C in:
   1. A dwelling, mobile or trailer home eligible under Coverage A; or
   2. A dwelling with rental apartments including furnishings, equipment and appliances in halls or utility rooms; or
   3. Any apartment, cooperative or condominium unit used as private living quarters of the insured or rented to others.
5. Coverage D for the loss of the fair rental value of:
   1. A building eligible for insurance under Coverages A or B; or
   2. Private living quarters eligible under Coverage C.

PROTECTION CLASSIFICATION CODES AND INFORMATION

1. Codes

2. Protection Information                            The Protection class listings in the Public Protection Classification Manual apply to risks insured under Dwelling Program policies.

   1. The protection class indicated applies in a municipality or classified area where a single class of fire protection is available throughout (8, 7, 6, etc.).

   2. In a classified area where two or more classifications are shown (e.g. 6/9), the classification is determined as follows:

A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period.

1. Frame - exterior wall of wood or other combustible construction, including wood iron - clad, stucco on wood or plaster on combustible supports.  (Use Construction Code 1)

   Aluminum or plastic siding over frame. (Use Construction Code 5)

2. Masonry Veneer - exterior walls of combustible construction veneered with brick or stone.  (Use Construction Code 2)

3. Masonry - exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction.  (Disregarding floors resting directly on the ground).  (Use Construction Code 3)