Homeowners insurance policies are designed to cover the insured and family. (Photo: Shutterstock)
Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts.
Editor's Note: This week's question helps unravel how homeowners insurance policies treat members of a household who are outside the "family."
Question: Our insured has a homeowners insurance fire claim under the ML 20 policy form. The only issue we are having with the claim is in an area we feel should be covered under the personal property section of the policy, but the insurance company disagrees.
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