In homeowners policies, who is NOT typically considered an insured?

In homeowners policies, the definition of who is considered an insured typically extends to the insured's immediate family members and relatives who reside in the household. This includes the insured's spouse and children living at home, as well as relatives visiting temporarily. The key aspect that determines who is an insured relates to their connection to the primary insured and their residence within the same household.

The tenant who occupies the basement suite in the insured's dwelling does not fit this criteria. A tenant is not part of the immediate family or household but rather is a separate entity that has a landlord-tenant relationship with the insured. Consequently, the tenant is not covered under the homeowner’s policy as an insured person. Homeowners policies are generally structured to provide protection primarily to the insured and their family members, not to individuals who are renting or residing in a property without the same familial ties or household status.