An insured's college-age son living away at school has personal property stolen from his dorm room. Under the standard HO-3, how is this covered?
Explanation
A full-time student who is a resident relative of the insured and whose absence from the household is temporary qualifies as an insured under the homeowners definition of insured. The student's personal property at school is covered, generally up to 10% of Coverage C or $1,000, whichever is greater (limits vary by edition). All standard exclusions and Coverage C sublimits still apply.
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