Which statement best describes coverage for relatives of the named insured who live in the same household under a typical homeowners policy?

Which statement best describes coverage for relatives of the named insured who live in the same household under a typical homeowners policy?

• A. Relatives who reside outside the household are covered
• B. Relatives who reside with the insured are covered
• C. Only relatives who own property are covered
• D. Relatives who do not reside with the insured are never covered

Answer: (B)

The policy treats family members who live in the same home as insured. In a typical homeowners form, the named insured is extended to include relatives of the named insured who reside in the household. This means relatives by blood, marriage, or adoption who live in the home are covered for the policy’s property and liability protections just like the named insured, within the policy’s limits and conditions. Coverage is about where they live, not about ownership of property. So relatives who share the residence are covered, whereas relatives who don’t live there aren’t automatically covered by the standard form.

The policy treats family members who live in the same home as insured. In a typical homeowners form, the named insured is extended to include relatives of the named insured who reside in the household. This means relatives by blood, marriage, or adoption who live in the home are covered for the policy’s property and liability protections just like the named insured, within the policy’s limits and conditions. Coverage is about where they live, not about ownership of property. So relatives who share the residence are covered, whereas relatives who don’t live there aren’t automatically covered by the standard form.