Homeowners policies may be used for the following types of properties or in the following situations: 1- to 4-family owner-occupied residences (under 1 roof); No more than 2 families or 2 roomers or boarders per unit; • Insuring a tenant of non-owned dwelling; Dwellings under construction if endorsed; Mobile homes if endorsed; and Seasonal dwellings and secondary residences. NOT farm dwellings.