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 HO-3 policy defines an insured as individuals who reside in the household, which typically includes family members. A grandparent living in an adult care facility is not residing with the insured, thus not qualifying as an insured under this policy.
A) 19-year-old foster child residing with the insured.
This option is correct as a 19-year-old foster child living with the insured qualifies as a household member. The HO-3 policy includes foster children as insured individuals, as they typically live in the same 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 is still considered an insured under the HO-3 policy, provided he maintains his status as a dependent. The policy extends coverage to children who are away at school, which includes college students.
C) 75-year-old grandparent residing in an adult care facility.
This option is accurate as the grandparent is not living with the insured but rather in an adult care facility. The definition of an insured under the HO-3 policy requires that individuals reside in the household, which this grandparent does not.
D) 90-year-old uncle residing in the household.
The uncle qualifies as an insured under the HO-3 policy, assuming he lives with the insured. Family members residing in the same household are covered by the policy, making this option valid.
Conclusion
The correct answer is C because the 75-year-old grandparent does not reside with the insured and therefore fails to meet the criteria for being considered an insured under the HO-3 policy. All other options, A, B, and D, involve individuals who either live with the insured or maintain their status as dependents, thus meeting the definition of an insured.