Who qualifies as an "Insured" according to the ISO Homeowners Policy?

In the context of the ISO Homeowners Policy, the term "Insured" extends beyond just the policyholder to include certain other individuals. Specifically, relatives of the policyholder and others in the policyholder's care are considered "Insured." This inclusion ensures that family members and dependents who reside in the household, or who are under the policyholder's temporary care, are covered under the policy in the event of a loss. This coverage offers a broader safety net that acknowledges the interconnectedness of household members, protecting them financially from liability and property damage issues.

Options indicating that only the policyholder qualifies do not account for the family's protection under the policy. Likewise, those living outside the insured's household or any person using the property do not meet the definition of "Insured" unless they fall into the specified categories related to the policyholder. This is why the presence of relatives and those under the policyholder's care is essential for comprehensive coverage in homeowners insurance.