Homeowners InsuranceQuestion 160 of 215
Coverage E (Personal Liability) on an HO-3 extends to the "insured location." Which of the following would NOT meet the definition of an insured location?
a.The residence premises shown in the declarations
b.A 200-acre commercial farm rented to others for profit
c.A vacant lot owned by the insured
d.A hotel room temporarily occupied by the insured while traveling
Explanation
The HO definition of insured location includes the residence premises, other premises the insured occasionally occupies, vacant land owned or rented by the insured, individual cemetery plots, and temporary residences (such as hotel rooms). It excludes premises rented to others as a regular business venture and farms or other premises used for business — which is exactly what choice B describes.
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