Which of the following would NOT be included in the meaning of "insured" in a homeowners policy?

In the context of a homeowners policy, the definition of "insured" typically includes individuals who have a relationship with the homeowner and reside with them, such as household residents and dependents like children who are temporarily away at college. It also may cover individuals like caregivers who are entrusted with the homeowner's property or pets in their absence.

However, the neighbor who voluntarily mows the insured's lawn does not fit this definition because their involvement is not based on a relationship that aligns with the policy's considerations for coverage. This neighbor is providing a service out of goodwill rather than being part of the household or otherwise designated as an insured party under the homeowners policy. Insurers define "insured" in a way that does not extend coverage to acquaintances or neighbors engaged in unrelated activities, like lawn care, unless they are specifically noted in the policy. This exclusion helps clarify the boundaries of coverage, ensuring that those who are protected under the policy have a certain degree of personal relationship or relevance to the insured property.