Which type of dwelling is not covered under typical homeowners policies?

In typical homeowners policies, rented properties are generally excluded because these policies are designed primarily for owner-occupied residences. Homeowners insurance is meant to cover the dwelling itself, personal property within the home, and liability for accidents occurring on the property—factors relevant to homeowners rather than landlords.

When a property is rented out, the responsibilities and liabilities shift, and therefore, a landlord insurance policy or a dwelling policy tailored for rental properties becomes more appropriate. This type of insurance addresses risks associated with rental activity, such as loss of rental income and landlord liability, which are not covered under standard homeowners policies.

The other types of dwellings listed, like single-family homes, multi-family homes, and condominiums, typically have options under homeowners policies as long as they are owner-occupied or fit within specific coverage endorsements.