What type of insurance does not require the building to be owner-occupied?

Dwelling insurance is specifically designed to provide coverage for residential properties that may not be owner-occupied. This type of policy is typically used for rental properties or homes that are vacant, allowing landlords to protect their investment without requiring them to live in the property. The policy can cover damage caused by fire, wind, theft, and other perils, thus ensuring that the structure itself is safeguarded regardless of the owner's occupancy status.

In contrast, homeowners insurance is intended for properties where the owner resides and provides coverage for both the dwelling and personal property, including liability protection while living there. Auto insurance applies to vehicles rather than real estate and has no relation to occupancy. Commercial property insurance insures commercial properties where a business operates, but typically focuses on those buildings being occupied for business purposes. Therefore, dwelling insurance offers the flexibility needed for non-owner-occupied residences, making it the appropriate choice in this scenario.