Homeowners Policy (HO)Question 351 of 474
A 19-year-old foster child living with and cared for by the named insured injures a visitor. Under Section II, this young person is:
a.an insured only if named on the policy
b.not an insured, being over 18 years old
c.an insured, being under 21 in their care
d.not an insured, having no blood relation
Explanation
Section II defines an insured to include the named insured and resident spouse, resident relatives, and any other person under 21 who is in the care of an insured, which covers a foster child living in the household. Blood relationship is not required for that group. Nobody has to be listed by name on the declarations to qualify as an insured.
This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- An insured with a $100,000 Coverage E limit is held liable for $100,000 of damages, and the insurer spends $30,000 defending the suit. The insurer's total outlay is:
- A neighbor's child is hurt on the insured's trampoline and runs up $2,600 of medical bills. The standard minimum Coverage F limit pays:
- The insured's own resident daughter breaks her arm on the stairs at home and needs $3,000 of treatment. Under Coverage F, the homeowners policy pays:
- A friend walks the insured's dog with permission and the dog bites a passerby. Under Section II of the homeowners policy, the friend is treated as:
- Immediately after a guest is hurt on the premises, the insured pays $300 for first aid at the scene. Under the Section II additional coverages, that expense is:
- An insured who repairs computers for pay in the garage is sued by a customer whose machine caught fire and burned her desk. Section II of the homeowners policy:
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review