A dwelling policy would NOT be appropriate for which of the following?

A dwelling policy is designed to offer coverage for residential properties that may not qualify for standard homeowners insurance. This type of policy is typically used for properties that can be single-family homes, duplexes, triplexes, or four-plexes that are not owner-occupied or a primary residence.

The choice concerning the motorhome is the correct answer because a dwelling policy is not designed for vehicles, including motorhomes. Instead, a motorhome would require a separate auto or recreational vehicle insurance policy that addresses the unique risks associated with vehicles. Dwelling policies are specifically tailored for fixed residential structures, while motorhomes, despite being used for living, are classified as mobile vehicles under insurance laws, necessitating different coverage.

The other choices, however, fit within the eligibility of a dwelling policy. A duplex owned by an individual and a single-family home that is fully rented can be insured under a dwelling policy because they are residential structures, albeit not occupied by the owner. A four-plex owned by a corporation also qualifies as a proper structure for dwelling policy coverage, assuming the corporation uses it solely as a residential rental property.