In property insurance, 'dwelling' typically refers to:

In property insurance, the term 'dwelling' specifically refers to residential homes. This encompasses structures where people live, such as single-family homes, duplexes, and sometimes even certain types of condos or townhouses. Dwelling coverage is a type of insurance that specifically protects the physical structure of a home from risks such as fire, theft, or certain natural disasters.

Understanding the term 'dwelling' is crucial in the context of insurance because it determines the scope of coverage provided under a homeowners insurance policy. The policy is designed to cover the dwelling itself, including the walls, roof, and built-in appliances, while also potentially offering coverage for additional structures and personal belongings.

Other options like commercial buildings, vacant land, and public structures do not fall under the definition of 'dwelling' in property insurance terminology, making this understanding vital for both insurance professionals and policyholders. Thus, residential homes as a definition aligns directly with how insurance coverage is structured for personal living spaces.