Question 23

Insured's spouse may be included on a homeowners policy as an additional insured.

A homeowners policy typically allows for family members residing in the household, such as the insured's spouse, to be included as additional insureds, providing them with coverage under the policy.

A) A lawncare service

A lawncare service is generally considered a third party providing a service and would not be included on a homeowners policy as an additional insured. Instead, they may need their own insurance coverage to protect against liabilities arising from their work.

B) Insured's child

While an insured's child may live in the household and benefit from the policy, they are not explicitly listed as additional insureds under typical homeowners policies. Coverage for children usually falls under the primary insured without designation as additional insureds.

C) Loss payee

A loss payee is a party that is entitled to receive payment in the event of a loss to the insured property. However, they are not classified as additional insureds under a homeowners policy, as their role is more about financial interest rather than inclusion in the coverage.

D) Insured's spouse

An insured's spouse is explicitly recognized as an additional insured under a homeowners policy. This inclusion provides the spouse with the same coverage protections as the primary insured, which is a standard provision in homeowners insurance.

Conclusion

The correct answer is D) Insured's spouse because they are explicitly covered as an additional insured under homeowners policies. In contrast, the other options do not meet the criteria for being classified as additional insureds, focusing instead on services, relationships, or financial interests that do not confer direct coverage under the policy.