What is a DP-1 policy?
A DP-1 is a standard dwelling policy form family that typically covers the dwelling and any included personal property only for listed perils.
What the DP-1 form is
HO and DP form numbers are commonly associated with standardized templates developed by Insurance Services Office (ISO). Carriers may file state-specific editions or their own variants, so the form number alone does not establish the terms of a particular policy.
DP-1 identifies a standard dwelling policy form family. Dwelling forms are structured for residential property and differ from homeowners forms in the coverages packaged with them.
Standard form labels are a starting point, not a substitute for the contract. Insurers may use state-specific editions, endorsements, or their own filed variants. The language in the policy issued to the reader controls.
How property and perils are typically structured
The dwelling is typically covered on a named-peril basis. If personal property coverage is included, it is also typically tied to the perils listed in the policy.
The list of covered perils and any additional coverage vary by carrier, state, edition, and endorsement. The issued document contains the controlling list.
Who typically has this form
A DP-1 is typically associated with a residential property that is insured on a dwelling form rather than a homeowners form. Occupancy and eligibility vary by insurer.
How to find out which form you have
The declarations page usually shows the policy form number, such as DP-1. The form number is only the label for the form family. The policy itself, including its edition date and endorsements, is the source of truth for what your coverage says.
UnderstandMyPolicy reads your uploaded policy and explains what that document says, with answers cited to its pages and clauses. It does not fill gaps with assumptions based on the form label.