Estructura y Cláusulas de la PólizaPregunta 511 de 531
A homeowners form places the phrase residence premises in quotation marks every time it appears. That signals the phrase:
a.Is defined in the policy and controls coverage
b.Is a term the insured chose on the application
c.Is used in its ordinary dictionary meaning
d.Applies only to the declarations page entries
Explicación
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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