April 14, 2010

We have an Insured whose 22-year-old son is currently serving in the Marines. The son enlisted in the Marines three years ago, and went from living with his parents to living on base. He just recently moved into rental housing near the base. He stated that he is getting close to the end of his enlistment period and if his unit is not assigned to a tour in Afghanistan, he does not plan to reenlist and will instead head back home to live with his parents. He considers his parent’s home his permanent residence.

During the move, the son’s vehicle was broken into and his Marine gear and other personal property were stolen. The son does not have renter’s insurance, as he thought he would be covered under his parent’s Homeowner’s policy.

The Homeowner’s policy we are dealing with is an HO-3, Edition 4-91.

We would appreciate it if you would review this incident and advise us as to your opinion if coverage should extend in this matter.

North Carolina Subscriber

The marine hasn’t lived at home in 3 years; therefore he’s not a resident relative, nor an insured. He’s over 21, so he’s also not in the care of any insured. The property wasn’t on the residence premises nor was it in any residence occupied by an insured. He’s been on his own for 3 years, and unfortunately his failure to read the policy or discuss the situation with the agent has left him uninsured. There is no coverage for this loss.

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