Homeowners Policy (HO)Question 322 of 474
A homeowner rents a spare bedroom to an unrelated boarder. The boarder's furniture and clothes are:
a.covered up to 10% of the Coverage C limit
b.covered for the theft and fire perils only
c.not covered, as they belong to a roomer
d.covered up to the full Coverage C limit
Explanation
Coverage C insures property owned or used by an insured and by household residents related to the insured, and it specifically excludes property of roomers and boarders who are not related, along with property in an apartment regularly rented to others. The boarder needs a tenants policy of his own, so answers paying any part of Coverage C for his goods are wrong.
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