3. "Insured" means you and residents of your household who are a. Your relatives; b. Other persons under the age of 21 and in the care of any person named above c. with respect to animals or watercraft to which this policy applies, any person or organization legally responsible for these animals or watercraft which are owned by you or any person included in 3.1. or 3.b. above. A person or organization using or having custody of these animals or watercraft in the course of any "business" or without consent of the owner is not an "insured".

Ohio Subscriber

Unless the insured is living in the dwelling with the son, the son is not considered an insured—he is a tenant like anyone else. Therefore, the son would need to have his own liability policy in order to have coverage for the dog bite. The liability is for the insured, the father, not his tenants. Being a relative does not automatically make one an insured, especially when they live in separate residences. This is something most insureds do not understand. Unless the father is somehow found legally liable, there is no coverage.