A friend of our insured stored some 10-12 guns at our insured's home while he was out of the state. The owner did not have insurance. The owner now reports all of the guns as "stolen" but there was no evidence of breaking & entering and nothing else taken.
The owner of the guns is not an insured under the definitions. There is 10% of coverage C, up to $10,000 on guns. The home was occupied by the named insured but not the owner of the guns. The owner was not a renter; property of "roomers, boarders or other tenants" is excluded but the owner was neither.
It does not seem "right" that a person with no insurance can access coverage from another's coverage, but that may be the case?
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