Which of the following locations would NOT be considered insured under a homeowners liability policy?

Which of the following locations would NOT be considered insured under a homeowners liability policy?

• A. A family cemetery plot
• B. A lakeside cabin rented by the insured for vacation
• C. Vacant farmland owned by the insured
• D. A residence where an insured is temporarily residing

Answer: (C)

A homeowners liability policy typically provides coverage for personal liability associated with the insured's primary residence and certain related locations. However, not all locations qualify as insured under this type of policy. Vacant farmland, which is owned by the insured, generally does not fall under the coverage provided by a homeowners liability policy. This is because the policy is designed to cover typical residential living situations and liability arising from them. The nature of farmland means it is not being used as a residence, and thus, it does not align with the intended coverage of a homeowners policy. In contrast, locations like a family cemetery plot, a lakeside cabin rented for vacation, and a temporary residence are typically covered because they either relate closely to the insured's residential premises or are expressly included under the definitions of insured locations in the policy. These locations involve occupancy and personal liability exposures that are consistent with the coverage objectives of homeowners insurance, while the vacant farmland does not.

A homeowners liability policy typically provides coverage for personal liability associated with the insured's primary residence and certain related locations. However, not all locations qualify as insured under this type of policy.

Vacant farmland, which is owned by the insured, generally does not fall under the coverage provided by a homeowners liability policy. This is because the policy is designed to cover typical residential living situations and liability arising from them. The nature of farmland means it is not being used as a residence, and thus, it does not align with the intended coverage of a homeowners policy.

In contrast, locations like a family cemetery plot, a lakeside cabin rented for vacation, and a temporary residence are typically covered because they either relate closely to the insured's residential premises or are expressly included under the definitions of insured locations in the policy. These locations involve occupancy and personal liability exposures that are consistent with the coverage objectives of homeowners insurance, while the vacant farmland does not.