Liability and Property of Others

In discussing homeowners additional liability coverage on property of others you say that protection extends to property rented by the named insured but not to property rented to "residents of the named insured's household."  Would not the named insured qualify as a "resident" of the household?

California Subscriber

Usually, yes. But the creators of the policy language went out of their way to set up a distinction. Had the intent been as you suggest it would have been easily achieved by excluding property owned by or rented to any insured or rented to any insured's tenant. Instead, a much more complicated arrangement applies the exclusion to (1) property owned by an insured and to (2) property rented to a tenant of an insured or to any resident of the named insured's household. In this context, resident of the household must refer to someone other than the named insured.

 

Note that the exclusion does not run to property owned by a tenant of an insured; the homeowners insured is covered for causing accidental damage to owned property of tenants.

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