Does coverage under a Homeowners Policy extend to family members living in other households?

The correct understanding here is that coverage under a Homeowners Policy primarily extends to individuals who are residents of the insured property. This means that coverage is designed for those who live at the designated residence and includes the policyholder and any relatives residing there.

Family members who live in different households do not automatically have coverage under the policy, as the focus is on individuals residing in the insured dwelling. This means that if a family member is living away from the policyholder's home, they would not be protected under that specific Homeowners Policy.

Understanding this distinction is crucial when considering insurance coverage for family members, as it highlights the importance of the insured location. For comprehensive coverage of individuals living outside the household, separate policies or endorsements would be necessary to ensure protection.