The insured location includes parts of premises used by the named insured in connection with insured locations. Which statement is true?

The insured location includes parts of premises used by the named insured in connection with insured locations. Which statement is true?

• A. True
• B. False
• C. Only for main dwelling
• D. Only if owned by insured

Answer: (A)

The insured location is defined broadly to include not just the main dwelling but other places where the named insured has property used in connection with insured locations. That means any part of a premises that the named insured uses in relation to an insured location—such as a garage, shed, or other space on the property—counts as part of an insured location. As a result, property stored or kept in those parts of the premises is covered under the insured-location provisions, subject to the policy’s limits and terms. Ownership isn’t required for this inclusion; the key factor is the use of that part of the premises in connection with insured locations.

The insured location is defined broadly to include not just the main dwelling but other places where the named insured has property used in connection with insured locations. That means any part of a premises that the named insured uses in relation to an insured location—such as a garage, shed, or other space on the property—counts as part of an insured location. As a result, property stored or kept in those parts of the premises is covered under the insured-location provisions, subject to the policy’s limits and terms. Ownership isn’t required for this inclusion; the key factor is the use of that part of the premises in connection with insured locations.