Are a local college student's personal belongings covered under Jane's homeowners policy once she rents a room?

The correct answer reflects the general exclusionary clause in homeowners insurance policies regarding the personal property of non-family individuals residing in the home, such as roomers or boarders. Homeowners insurance typically covers the insured's personal property but does not extend that coverage to personal belongings owned by tenants or guests living within the home.

In this context, Jane's homeowners policy will not cover the personal belongings of a local college student who is renting a room from her, because the student is considered a roomer, and homeowners policies usually exclude coverage for the property of non-related occupants. Thus, Jane's policy does not provide financial protection for any loss or damage to the student's belongings, emphasizing the importance for renters to secure their own renters insurance to protect their possessions.

In contrast, the other options imply varying levels of coverage for the student's belongings, which do not align with standard provisions in homeowners policies concerning roomers. Understanding these exclusions is essential for both landlords and tenants when evaluating insurance needs.