Definitions

9.The Special Form homeowner policy considers all of the following to be insureds (with notes on any exceptions):

• You
  (Refer to separate definition)
• Your relatives if residents of "your" household
  (Meaning relatives who live at the insured location with the named insured)
• Persons under the age of 21 residing in "your" household and in "your" care or in the care of "your" resident relatives
  Such persons must BOTH be younger than 21 AND have a named insured, his or her spouse or a relative of the named insured/spouse as their caregiver.

The definition of insured includes persons who are residents of the named insured’s household who are full-time students. In order for a full-time student to qualify as an insured, he or she must either be younger than 24 years of age and be related to an insured OR be younger than 21 years of age and be in the care of someone in the named insured’s household.

• Any party having legal responsibility for either animals or watercraft that is eligible for coverage under the homeowner policy.
• Any person working for an insured while operating a motor vehicle that qualifies for homeowner coverage.
• Any person who has the insured’s permission to use an eligible motor vehicle, but only while on the insured premises.