Part of premises occasionally rented to an insured (not for business purposes) is included in insured location?

Part of premises occasionally rented to an insured (not for business purposes) is included in insured location?

• A. True
• B. False
• C. Only if rental is for business
• D. Only if rental is for more than 6 months

Answer: (A)

The insured location definition includes spaces on your premises that you rent out for nonbusiness purposes, not just the main house. If part of the premises is occasionally rented to someone for nonbusiness use, that space remains part of your insured location, so the policy can extend coverage there. The rental being for nonbusiness reasons and the duration (even if short) do not exclude it from insured location. That’s why this statement is true. Options about needing business use or a minimum rental period aren’t relevant here.

The insured location definition includes spaces on your premises that you rent out for nonbusiness purposes, not just the main house. If part of the premises is occasionally rented to someone for nonbusiness use, that space remains part of your insured location, so the policy can extend coverage there. The rental being for nonbusiness reasons and the duration (even if short) do not exclude it from insured location. That’s why this statement is true. Options about needing business use or a minimum rental period aren’t relevant here.