Question

1. All of the following people would be considered insureds under the liability section of a homeowners policy, EXCEPT

(Choose from the following options)
1. The 22-year-old niece of the insured, who is visiting.
2. A 15-year-old foster child residing in the premises.
3. The mother of the insured who is residing in the household.
4. The legal representative of a deceased insured.

Answer 1

Under a homeowners insurance policy, immediate family members and individuals in the care of the family are covered under the liability section. The legal representative of a deceased insured would not typically be considered an insured under this section, as their role is to handle the estate of the deceased.

Step-by-step explanation:

In the context of homeowners insurance policies, the individuals typically covered under the liability section would include the named insured members of the household, their immediate family members living in the home, and other individuals under the age of 21 in the care of the family. Therefore, the 22-year-old niece visiting (option 1), the 15-year-old foster child residing in the premises (option 2), and the mother of the insured residing in the household (option 3) would likely be considered insureds.

However, the legal representative of a deceased insured (option 4) would generally not be considered an insured under the liability section of a homeowners policy as their role is to administer the estate rather than to occupy the property as a family member.