Chapter Ins 4
FIRE AND ALLIED LINES INSURANCE
Ins 4.01 Interpretation and implementation of s. 632.05 (2), Stats. Ins 4.08 Inland marine insurance exempt from filing requirements. Ins 4.10 Wisconsin insurance plan. Ins 4.01Ins 4.01 Interpretation and implementation of s. 632.05 (2), Stats. Ins 4.01(1)(1) Scope. Section 632.05, Stats., and this section apply to policies issued or renewed on or after November 29, 1979, which insure real property owned and occupied by the insured as a dwelling. Ins 4.01(2)(a)(a) Seasonal dwellings. A dwelling used seasonally shall be considered as owned and occupied by the insured if it is not rented to a non-owner for any period of time. Ins 4.01(2)(b)(b) Outbuildings. Outbuildings insured under the same policy as an owner-occupied dwelling are not subject to s. 632.05 (2), Stats. Ins 4.01(2)(d)(d) Multifamily units. A policy insuring multiple unit residential property, with at least one unit occupied by the owner shall be subject to s. 632.05 (2), Stats., if there are no more than 4 dwelling units on the property. Ins 4.01(2)(e)(e) Combined commercial and residential properties. A policy insuring real property any part of which is used for commercial (non-dwelling) purposes other than on an incidental basis is not subject to s. 632.05 (2), Stats.