Why are dwelling policies referred to as monoline policies?

Dwelling policies are referred to as monoline policies because they exclusively provide property insurance coverage for dwellings. This means that the policies focus solely on insuring the physical structure and sometimes the contents against specific risks such as fire, theft, or vandalism, without bundling other types of coverage like liability. This single-focus allows for more specialized coverage tailored for residential properties, distinguishing them from multi-line policies that combine various types of insurance coverage. The nature of monoline policies is specifically aligned with providing property insurance, making them distinct in the realm of home insurance.