(1) licensed private passenger motor vehicles;(2) single-family residences, and related structures;(3) multiple dwellings of not more than four-family units if at least one unit is owner-occupied, and related structures;(4) mobile homes;(5) commercial structures of not more than $100,000 value.(b) Cooperative insurance coverage is limited to risks located or principally garaged within a geographic radius determined by the director to be within the ability of the insureds to control and have an influence over the level of loss.
