84. All of the following meet the definition of an insured under the HO-3 policy EXCEPT a
Answer: C
75-year-old grandparent residing in an adult care facility does not meet the definition of an insured under the HO-3 policy.
The definition of an insured under the HO-3 policy typically includes family members who reside in the household. A 75-year-old grandparent living in an adult care facility does not fit this criterion as they are not residing in the household of the insured.
A) 19-year-old foster child residing with the insured.
A 19-year-old foster child living with the insured qualifies as an insured under the HO-3 policy. This is because the policy often includes dependent children and foster children residing in the household.
B) 23-year-old son enrolled as a full-time student in another state.
A 23-year-old son who is a full-time student may still be considered an insured under the HO-3 policy, provided he is still deemed a dependent and maintains a permanent residence with the insured, even if he is temporarily living elsewhere for education.
C) 75-year-old grandparent residing in an adult care facility.
A 75-year-old grandparent living in an adult care facility is not considered an insured under the HO-3 policy, as they do not reside in the household. The policy generally requires the insured individuals to be living in the same home as the policyholder.
D) 90-year-old uncle residing in the household.
A 90-year-old uncle who resides in the household would be covered under the HO-3 policy as an insured. This option meets the requirement of living with the policyholder, qualifying him under the policy's definition.
Conclusion
The 75-year-old grandparent residing in an adult care facility is the only option that does not meet the definition of an insured under the HO-3 policy, as they are not living in the policyholder's household. All other options involve individuals who either reside in the household or maintain a dependent status, thus qualifying them under the policy.