Kraaaappppp!, Son away at college had a fire Options

[Engman]

My son - soon to be graduating from IU in Bloomington, IN - had a fire last nite - room is totaled!

He was renting a house with 5 others off campus - no renters insurance (IMG:http://www.914world.com/bbs2/html/emoticons/headbang.gif)

Question is - does any of my homeowners insurance cover his property? It looks like it might - but I am no expert on reading/interpeting these policys. Yes - his primary residence remains here at home...........

Dammm - he is really down..........


M

[rick 918-S]

Taken from My "Home Owners Analysis" A publication of Rough Notes Company Inc.

Under the Definations discussion section;

As a general rule, a student temporarily living away from the residence premises at a collage or training school is considered an insured since the student is still a member of his parent's household. Some courts have even held that a married student residing at collage was a member of the parents household, if that student was still dependant on the parents. This general rule would also apply to insureds in the military reserves as long as they intend to return to their parent's household.

This is a text that adjusters use to help them understand the intent of the insurance policy.


BTW: Considering I am employed as a claims rep I should do the disclaimer thing. This is not intended to be legal advise and should in no way be construde as more than it is. One friend sharing a text from a book with another.