Should a condo, apartment and owner-occupied home use identical policy assumptions? (Duke University)
DIRECT ANSWER
Source guidance recorded on 2026-10-15. Confirm the applicable policy year, cohort and property jurisdiction before relying on time-sensitive facts.
NC DOI explains that homeowners policies primarily apply to owner-occupied single-family dwellings, with modifications for apartments and condominiums; confirm the right policy with the insurer.
Sources & verification
- www.ncdoi.gov source-backed-recovered-record
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