In general, what types of properties do Homeowners policies cover?

Homeowners policies are specifically designed to cover dwellings that serve primarily as private residences. This means the insurance is tailored for structures where individuals or families live, providing protection for both the physical property and the personal property within it. The coverage is meant to address risks associated with residential living, such as fire, theft, and liability occurring on the property.

The other options do not align with the purpose of homeowners insurance. Commercial properties are covered under different policies tailored to business risks. Properties used exclusively for generating rental income typically fall under landlord or dwelling policies designed for investment properties rather than residential homeowners policies. Lastly, homeowners insurance does not typically cover all types of real estate, especially vacant land, as the policy's primary focus is on occupied residences rather than undeveloped or unoccupied properties.