Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: The question I have is regarding a loss which occurred in Illinois, and I’m looking at the ISO HO-3 10/00 for coverage. The named insured’s live-in girlfriend fell off the deck due to poorly-maintained railing. She died as a result of her injuries. The insured is looking to his homeowner’s policy to respond to the subsequent lawsuit initiated by her family. I say there is coverage because she is not considered an ‘insured’ by definition, and Section II exclusion F.6. does not apply. My co-worker says the policy will not respond because she was a resident of the household.   

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.