P&CNationalmedium
A landlord owns a non-owner-occupied two-family rental and wants the broadest dwelling peril coverage available within the ISO Dwelling Property family. Which form should the producer recommend?
ADP-1 Basic Form, which provides open-perils dwelling coverage
BDP-2 Broad Form, because it includes Section II liability automatically
CHO-3 Special Form, because the DP series excludes rental dwellings
DP-3 Special Form, which writes the dwelling on an open-perils basis
Why this is the answer
The ISO Dwelling Property program (DP-1 Basic, DP-2 Broad, DP-3 Special) targets non-owner-occupied 1-4 family dwellings the standard HO program will not write. DP-3 is the open-perils ('special form') version on the dwelling and other structures, parallel to HO-3 on the property side. None of the DP forms include built-in Section II liability — that is added by endorsement or as a stand-alone Personal Liability policy (ISO DP-3 §I).
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