We have a question concerning the definition of "insured location" under homeowners HO 00 03 05 01. We have a client whose principal address is in Maryland but who owns "vacant land" in Canada . Does this client need liability coverage on this vacant land other than coverage that might be provided under the HO 00 03? Under the definitions section of the policy, "insured location" includes vacant land (other than farm land) owned by an insured. Because there is no limiting geographical definition, our client's Canadian property is covered, isn't it?

Maryland Subscriber

Yes, the liability coverage includes the vacant land in Canada. There is no territorial limitation in homeowners forms. Thus, if an insured is involved in a claim for bodily injury or property damage because of an alleged negligence involving vacant land, it matters not at all where the land is located. One word of caution—the land must indeed be "vacant"—that is, with no man-made structure upon it whatsoever.