# Wis. Admin. Code Ins § 4.01: Interpretation and implementation of s

> Wisconsin · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_WI_ADC_Ins_4_01

## Section

- **Citation:** Wis. Admin. Code Ins § 4.01
- **Heading:** Interpretation and implementation of s
- **Jurisdiction:** Wisconsin
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Wisconsin Administrative Code / Ins / Chapter Ins 4 / § Ins 4.01

## Text

Interpretation and implementation of s.
Interpretation and implementation of s. 632.05 (2), Stats.
(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.
(2) Interpretations.
(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.
(b) Outbuildings. Outbuildings insured under the same policy as an owner-occupied dwelling are not subject to s. 632.05 (2) , Stats.
(c) Mobile homes. Mobile homes as defined in s. 66.0435 (1) (d) , Stats., shall not be considered real property and shall not be subject to the requirements of s. 632.05 (2) , Stats.
(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.
(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.
(g) Property under construction. Section 632.05 (2) , Stats., shall not apply to a policy which insures real property under construction unless the property is completed and is occupied by the owner as a dwelling.
(h) Operation of building laws. Real property owned and occupied by the insured which is partially destroyed but ordered destroyed under a fire ordinance or similar law shall be considered wholly destroyed for purposes of s. 632.05 (2) , Stats.

## Nearby sections

- [Wis. Admin. Code Ins § 4.01 Interpretation and implementation of s](https://www.frixlaw.com/law-library/statutes/STATE_WI_ADC_Ins_4_01.md)
- [Wis. Admin. Code Ins § 4.08 Inland marine insurance exempt from filing requirements](https://www.frixlaw.com/law-library/statutes/STATE_WI_ADC_Ins_4_08.md)
- [Wis. Admin. Code Ins § 4.10 Wisconsin insurance plan](https://www.frixlaw.com/law-library/statutes/STATE_WI_ADC_Ins_4_10.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_WI_ADC_Ins_4_01. Check the current official text before relying on it. Not legal advice.