Which statement is true regarding coverage for personal property of a tenant under the dwelling forms?

The correct answer regarding coverage for personal property of a tenant under dwelling forms is that it is excluded. Dwelling forms typically cover the physical structure of a home, such as the dwelling itself and any attached structures, but do not automatically provide coverage for the personal property of tenants. This is a fundamental aspect of dwelling insurance policies that is important for both landlords and tenants to understand.

Personal property coverage is generally not included because these dwelling forms are designed primarily for the property owner, whose interests in the physical building are being protected. Tenants are therefore expected to purchase their own renters insurance to cover their personal belongings, liability, and living expenses related to their possessions.

Other choices do not capture the nature of dwelling forms accurately. For example, conveying that coverage is automatically included misrepresents the standard policy features. Suggesting that coverage may be added at an extra premium does not align with most dwelling forms, as tenant personal property typically remains excluded. Finally, stating that it depends on the type of tenant does not reflect the general policy structure of dwelling forms, which maintains a standard exclusion for tenant property regardless of tenant type.