Which type of property coverage is designed for structures not used for commercial or manufacturing purposes?

Dwelling coverage is specifically designed to protect structures that are used for residential purposes and are not engaged in commercial or manufacturing activities. This type of coverage typically includes the physical structure of a home, including the walls, roof, and any attached fixtures, against risks such as fire, windstorm, theft, and vandalism. It is crucial for homeowners as it falls under the personal lines of insurance, tailored to individual residential needs rather than commercial objectives.

In contrast, personal property coverage generally pertains to the contents within a dwelling rather than the structure itself, while fair rental value coverage applies to the loss of rental income if a property becomes uninhabitable due to a covered loss. Neither of these focuses on the actual building itself as dwelling coverage does. Therefore, dwelling coverage is the most appropriate choice for insuring structures that are exclusively residential.