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Are family, non-related residents covered for insured's losses?

It may be necessary to comb through the relevant policy language to determine whether family members or part-time residents are covered after an on-premises loss.

By FC&S Editors | Updated on January 03, 2018

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: The question I have is regarding a loss which occurred in Illinois, and I’m looking at the ISO HO-3 10/00 for coverage. The named insured’s live-in girlfriend fell off the deck due to poorly-maintained railing. She died as a result of her injuries. The insured is looking to his homeowner’s policy to respond to the subsequent lawsuit initiated by her family. I say there is coverage because she is not considered an ‘insured’ by definition, and Section II exclusion F.6. does not apply. My co-worker says the policy will not respond because she was a resident of the household.   

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