British Columbia Fundamentals Of Insurance Practice Test 2025 – Complete Exam Prep

Question: 1 / 400

Which of the following is not considered an insured person under Homeowners policies?

The insured's common law spouse who has lived with the insured for five years

The parents who are permanently living with the insured

The insured's daughter who lives in the dorm while attending university in a neighbouring province

The tenant who occupies the basement suite in the insured's dwelling

In Homeowners policies, an insured person typically includes the policyholder, their spouse, children, and other relatives who live with them, as well as any other person who may be using the residence. However, tenants are generally not considered insured persons under these policies.

A tenant occupies the property under a rental agreement and is not a member of the family or household that the insurance covers. Therefore, any claims or coverage for damages involving the tenant would not be included under the homeowner's policy.

In contrast, a common law spouse who has cohabitated for a significant period, parents who live with the insured, and dependent children, even if temporarily living away from home for education, are all covered under the typical definitions of an insured person in these policies. They are considered part of the household for the purposes of coverage, which is why the option involving the tenant is the only one not classified as an insured person.

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