An account manager was told by a Foremost Signature underwriter that their homeowner policies do not cover liability for a student studying abroad for a semester. I thought all ISO based products provided worldwide liability coverage. Foremost says contents are worldwide coverage but not liability.

New York Subscriber

That's an interesting question. The policy says coverage is excluded if the insured premises is not an insured location as follows: Coverages E and F do not apply to the following:

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