Texas Adjuster Practice Test

Is a 22-year-old female caregiver considered an insured under the HO-B policy?

1. Yes, if she is a relative

2. No, she is over 21

3. Yes, if named in the policy

4. No, unless she lives with the policyholder

The correct answer is: No, she is over 21

In homeowners' insurance policies, such as the HO-B policy, coverage for the insured typically extends to individuals who reside in the household. For caregivers, the conditions under which they may be considered insured depend on various elements of their relationship to the primary insured and their living arrangements. The correct answer indicates that the caregiver is not regarded as an insured merely based on her age. While it is true that being over 21 does have implications regarding coverage eligibility in certain contexts, the pivotal factor is usually whether the caregiver lives with the policyholder and the specific language of the policy itself concerning household members. If the caregiver does not reside with the policyholder, she would not be covered under the policy. Therefore, it is crucial to understand the policy provisions regarding household classification and how they apply to caregivers specifically. This nuanced understanding helps clarify who qualifies as an insured under a policy, regardless of their age or other attributes.