Insured

Insured includes the person or persons named in the declarations (named insured) and that person’s relatives who live in the household. In addition, there are a number of persons who are insured based on conditions and circumstances:

• Relatives of the named insured who are under the age of 25, enrolled in school fulltime, are still financially dependent on the named insured and lived in the household prior to moving out to attend school

• Non-relatives of the named insured under the age of 21 who live in the household and are in that person’s care or in the care of a relative of a person who also lives in the household. These non-relatives are also covered while away from the household attending school full-time, provided they continue to be under the care of the named insured or a relative resident and had lived in the household prior to moving out to attend school. (01/06 addition)

Insured is further expanded but only for the Liability section of the policy:

• The named insured’s real estate manager but only within the scope of his or her duties that related to the described location

• Other parties also qualify as insured, but on a more limited basis. If a loss situation involves certain, qualified incidents such as an eligible craft or vehicle (such as a golf cart) animal (usually a pet), etc, coverage may extend to persons who, with the insured’s knowledge/permission, have some related responsibility for the loss. Therefore, the policy may grant insured status for such parties to the extent that they are liable for injury or harm involving insured property.

Example: The Carneys are on vacation and they ask their neighbor, Marsha, to feed their pets and to take their dog, Cooger, on daily walks. While going to a nearby dog park, Cooger slips out of his leash and attacks a young man who is eating a steak sandwich. The young man sues the Carneys as well as Marsha. The Carney’s policy, for the purpose of this particular loss, treats Marsha as an insured.

• persons using or caring for vehicles, watercraft, or animals owned by an insured

Example: Fred Landlocked takes the advice of George Goodtravel and buys a ‘fixer-upper’ sailboat. Fred also buys a trailer and the boat is towed over to George’s house. George volunteers to patch up the boat and to help paint it too. The boat is kept in George’s driveway and it has a ladder propped against it. George’s neighbor, Paul, comes over to see what George is up to, but George is in his basement, getting some tools to work on the boat. As Paul attempts to climb onto the sailboat, the ladder gives way and Paul suffers a broken leg and several serious cuts on his arms and face. In this instance, Fred’s HO liability and Med Pay coverage can be extended to deal with nosy Paul.