Analysis brought to you by the experts at FC&S Online, the recognized 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: In regard to the HO 00 03 05 11 Homeowners 3 — Special Form... If the insured/homeowner rents a room plus access to use of the balance of the house such as the kitchen, bathrooms and all common areas of the house to a non-relative tenant, does the exception for personal property theft apply? And, does it exclude any and all property of the insured/homeowner's because the renter has use of the entire common area of the house as part of their monthly rental fee? This exception reads: "This peril does not include loss caused by theft... From that part of a 'residence premises' rented by an 'insured' to someone other than another 'insured.'" So, if an unknown thief breaks into the house and steals the insured/homeowner's TV from a common area, does this exception to coverage apply because this common area is rented to someone other than an "insured"?— Michigan Subscriber