A homeowners form places the phrase residence premises in quotation marks every time it appears. That signals the phrase:
Explanation
Quotation marks or boldface flag a term carried in the definitions section, and the defined meaning governs everywhere the term appears, often narrowing coverage well below what the everyday meaning suggests. Reading such a term in its dictionary sense is the classic mistake that leaves an insured expecting coverage the form does not grant. The insured does not draft definitions, and they operate throughout the policy.
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