Which person is typically not considered an insured under a Homeowners Policy?

In a Homeowners Policy, the definition of an insured typically includes the named insured and their relatives who are living in the household, as well as persons under 21 who are in the care of an insured. This definition usually extends to spouses and adopted children as well.

A friend who is living with an insured does not generally meet the criteria for coverage under the policy. The Homeowners Policy is designed to protect family members and dependents who reside in the household; therefore, while a friend living with an insured might have some limited coverage under specific circumstances (like guest-related accidents), they are not automatically considered an "insured" under the policy. This distinction is vital for understanding who is afforded the full rights and protections under the terms of a Homeowners Policy.

In contrast, relatives who are visiting, the spouse of the insured, and adopted children are recognized as insureds because they are part of the household or legally connected to the named insured, ensuring they are covered for personal liability and property protection under the policy.