What type of property does TDP 3 typically have less coverage for?

TDP 3, or the Texas Dwelling Policy Form 3, is designed primarily for insuring residential properties. This form typically offers the broadest coverage among the dwelling policies, but it focuses more on the dwelling and the other structures rather than individual personal property items like major home appliances. While appliances are covered, they may not be covered to the same extent or with the same limitations as larger structures or fixtures of a home.

The reasoning behind this is that TDP 3 policy is tailored to protect the dwelling itself and its structures, emphasizing the building's integrity. Coverage for personal property, including major appliances, may come with limitations or exclusions, impacting the overall level of coverage when it comes to individual items compared to structural coverage.

Other items, such as personal vehicles or business-related equipment, typically fall under different classifications and insurance requirements, ensuring that coverage parameters remain distinct for different types of assets. Natural disaster damages also have specific provisions based on the perils covered, further differentiating them from the primary focus of personal property under TDP 3.