Which individual is NOT considered an "insured" under Section 1 of the HO 3?

In the context of the HO 3 homeowners insurance policy, coverage under Section 1 typically extends to certain individuals who reside with the named insured as part of their household, including the named insured, a spouse, and any family members living with the insured.

When considering the relatives who share the same last name as the insured, there is a crucial factor at play: simply sharing a last name does not automatically qualify individuals for coverage under this policy. Insured status is contingent on familial or household relationships; therefore, relatives who do not live with the insured may not be considered insured individuals under this policy.

This distinction is important in liability claims and coverage scenarios. Insured status comes with rights and responsibilities, and recognizing who is considered an insured helps determine the scope of coverage in case of losses or disputes. The definition is intentionally specific to ensure clarity and to uphold policy integrity by only covering those who have a genuine connection and household status with the named insured.