What is the definition of insured? The owners do not live there, but the son and family live there. Is damage to the son's personal property covered under the parent's HO policy? The parents live at a different address with their own HO policy.
New York Subscriber
We're looking at the ISO HO 00 03 03 22; your policy may be different. Most policies provide a definition of insured. The ISO form states: "you" and "your" refer to the "named insured" shown in the Declarations and the spouse if a resident of the same household. "
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