Homeowners insurance definitions you need to know

1. "Bodily Injury" means bodily harm, sickness or disease. This includes required care, loss of services and death that results.

2. "Business" includes trade, profession or occupation.

3. "Business day" when used in a policy means a day other than a national recognized holiday, Saturday, or Sunday.

4. "Insured" means you and the residents of your household who are you relatives, other persons under the age of 21 and in the care of the person on the policy. Insured also can mean any person or organization legally responsible for animals or watercraft to which this policy applies. You or a person included in or above must own the animals or watercraft. A person or organization using or having custody of these animals or watercraft without owners consent is not an insured. With the respect to any vehicle which the policy applies. 1. any employee of an insured while engaged in the employment of the insured; or 2. any other person using the vehicle on an insured location with your consent.

5. "Insured Location" means: a. the residence premises. b. the part of other premises, other structures and grounds you use as a residence and: 1. which is shown on the declarations page; or 2. which you acquire during the policy period for your use as a residence. c. any premises you use in connection with a premises in 5.a. or 5.b. above. d. any part of a premises: 1. not owned by an insured; and 2. where an insured is temporarily residing. e. vacant land, other than farm land, owned or rented to an insured. f. land owned by or rented to an insured on whcih a one or two family dwelling is being built as a residence for an insured. g. individual or family cemetery plots or burial vaults of an insured. h. any part of a premises occasionally rented to an insured for other than business use.

6. "Occurrence" means an accident, including exposure to conditions, whcih results in bodily injury or property damage during the policy period.

7. "Property Damage" means injury to, destruction of, or loss of use of property.

8. "Residence employee" means an employee of an insured who performs duties related to the ownership, maintenance or use of the residence premises, including maintenance or use of a motor vehicle. This includes employees who perform similar duties elsewhere for an insured. This does not include employees while performing duties related to the business of an insured.

9. "Residence premises" means the residence premises shown on the declarations page. This includes the one or two family dwelling, including other structures, and grounds where an insured resides or intends to reside.

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