Under homeowners insurance, which of the following would NOT be considered an insured?

In homeowners insurance policies, coverage is typically extended to certain individuals based on their relationship to the named insured and their living situation. The correct answer here is that the 22-year-old niece visiting is not considered an insured under the homeowners insurance.

This stems from the general understanding that homeowners policies generally cover those who are residents of the household. While family members living in the home, such as the mother and a foster child, are explicitly covered, unattached minors or adult relatives not residing in the home are not included as insureds. The mother of the insured is covered because she is part of the household, and the legal representative of a deceased insured is also included because they may need to settle claims pertinent to the insured's estate.

The key distinction is residency; an individual who is simply visiting, even if they are a family member, does not receive coverage under the policy unless they are officially classified as a resident. Therefore, in the context of homeowners insurance, the niece does not meet the criteria, making her the correct answer for who would NOT be considered an insured.