Homeowners Policy (HO)Question 352 of 474
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:
a.a stranger with no standing to be covered
b.an insured for that use of the animal
c.a claimant the policy will defend against
d.an insured for all of his own activities
Explanation
Section II extends the definition of an insured to a person legally responsible for an animal owned by an insured while that person is using it with permission, so the friend walking the dog is an insured for that use. He is not an insured for his own unrelated activities. He is not a claimant either, since the bitten passerby is the one making the claim.
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