Which location is NOT considered part of the premises under Section 11?

The correct choice is that the location that is NOT considered part of the premises under Section 11 is the land owned by the insured, which is used as pasture for the insured's herd of cattle.

Section 11 typically defines the premises in terms of structures that are designed for habitation or primary use as a residence, such as houses, garages, and rented apartments. While a detached garage and a vacation home owned by the insured are both structures that are associated with residential use, pastureland serves a different function. It is land that is primarily used for agricultural purposes rather than for dwelling or housing.

In this context, only those locations that provide living accommodations or are directly related to such accommodations would fall under the premises definition. The pastureland does not fit this definition, as it's designated for livestock grazing rather than being used as a residence or for immediate living purposes. Additionally, an apartment rented by the insured is also clearly part of residential premises but would not include agricultural land utilized in a non-residential capacity.