State Farm Fire Independent Policy Practice Exam

Under an HO-3 policy, a spouse who is a resident of the household is considered an insured. This is due to the provisions set in homeowners insurance that extend coverage to family members living with the named insured, which typically includes spouses. The intent of this coverage is to provide protection for those living in the same household as the primary insured, making it essential to include spouses who share the residence. In contrast, a spouse not residing in the household would not qualify as an insured under this policy. Similarly, while a caregiver under the age of 21 may have certain protections, they generally do not fall under the classification of a primary insured unless specified differently. Lastly, insurance coverage is not limited strictly to the individual listed on the Declaration Page; it extends to household members as a means of ensuring comprehensive coverage for the insured's family.