Who would likely NOT be considered an insured under a homeowner's policy?

In the context of a homeowner's policy, an insured typically includes individuals who reside in the same household as the policyholder. This generally covers immediate family members such as a spouse and children living at home, as well as domestic partners who reside with the insured.

A divorced spouse living in another state usually does not fall under the definition of an insured in a homeowner's policy. This is because the coverage is designed to extend to individuals living within the same residence and who have a legal connection to the policyholder, such as a spouse or dependent children. In contrast, a divorced spouse no longer shares the same household or legal ties to the property, unless specifically mentioned in the policy.

Therefore, identifying a divorced spouse living apart from the homeowner as someone who would likely not be considered an insured under the homeowner's policy aligns with the standard coverage definitions and the intent of such policies.