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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.
— Illinois Subscriber
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