Which is included in the insured location when the policy references insured location?

Which is included in the insured location when the policy references insured location?

• A. The residence premises
• B. The residence premises and parts of other premises shown on declarations or acquired during policy period
• C. Only land owned by the insured
• D. Premises used by insured in connection with insured locations

Answer: (B)

Insured location means the places where the insured has coverage under the policy, not just the main home. In these forms, it includes the residence premises plus other premises that are shown in the declarations or that are acquired during the policy period, and it can cover parts of those other premises as well. This is why the best answer includes both the residence and additional premises described or acquired during the term. The other options are too narrow or miss the broader coverage: limiting it to only the residence premises excludes other protected locations, while focusing only on land or on premises used in connection with insured locations doesn’t define insured location as it’s written.

Insured location means the places where the insured has coverage under the policy, not just the main home. In these forms, it includes the residence premises plus other premises that are shown in the declarations or that are acquired during the policy period, and it can cover parts of those other premises as well. This is why the best answer includes both the residence and additional premises described or acquired during the term.

The other options are too narrow or miss the broader coverage: limiting it to only the residence premises excludes other protected locations, while focusing only on land or on premises used in connection with insured locations doesn’t define insured location as it’s written.