Question

Under a homeowners policy, a housekeeper or gardener would be referred to as a:

A. named insured
B. residence employee
C. covered person
D. legal representative

Answer 1

Under a homeowners policy, a housekeeper or gardener would be referred to as a residence employee. This term is specific to those employed by the homeowner to perform domestic or maintenance tasks.

Step-by-step explanation:

You have asked to identify the correct term for a housekeeper or gardener under a homeowners policy. The main answer to this question is B. residence employee. Under most homeowners policies, individuals who are employed by the homeowner and perform household or maintenance duties are referred to as residence employees. This includes roles such as housekeepers, gardeners, and sometimes nannies or personal care attendants.It is important to differentiate between residence employees and other individuals covered under a homeowners policy. For instance, a named insured typically refers to the individuals who own the home and are directly named in the policy. A covered person may include the named insured as well as family members living in the household. A legal representative might be someone who acts on behalf of the insured in legal affairs, perhaps during a claim.In conclusion, when referring to domestic help such as housekeepers or gardeners in the context of a homeowners policy, the term residence employee is used.