Under a homeowners policy, who qualifies as insured?

• A. Only the named insured
• B. The named insured, spouse, and certain other individuals defined by policy
• C. Only residents of the home
• D. Only people responsible for animals

Answer: (B)

Under a homeowners policy, the insured isn’t limited to just the person named on the policy. The named insured plus a spouse who lives in the same household are insured, and the policy also covers other people defined by the policy—such as relatives who reside in the home and, in some cases, young people under 21 (or full-time students under 24) who are under the care of the named insured. This broader definition ensures that family members and dependents are protected under the policy even if they aren’t listed as the named insured. The other options are too narrow because they omit the spouse or other covered individuals and don’t reflect the policy’s broader insured definitions.