This subchapter shall apply to policies of property insurance, other than policies of inland marine insurance and policies of property insurance issued through a residual market mechanism, covering risks to property located in this State which take effect or are renewed after January 19, 1986, and which insure any of the following contingencies:
(1) Loss of or damage to real property which consists of not more than 4 residential units, 1 of which is the principal place of residence of the named insured; or
(2) Loss of or damage to personal property in which the named insured has an insurable interest where:
a. The personal property is used for personal, family or household purposes; and
b. The personal property is within a residential dwelling.
65 Del. Laws, c. 199, § 1.
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