There is no Coverage Under a Homeowners Policy if the Insured Does Not Actually Live There

Read the full article at https://www.linkedin.com/pulse/video-explaining-requirement-insured-reside-residence-barry and see the full video at https://youtu.be/nXnfpM-oLxE and at https://zalma.com/blog plus more than 3550 posts. 

The homeowners policy language unambiguously requires that the property at issue be the insured’s “residence premises” for coverage to apply. It does not require that the property be the Insured’s domicile.

The “insured location” was defined in relevant part to mean “the residence premises,” and the “residence premises” was defined to mean the dwelling where the insureds “reside and which is shown as the ‘residence premises’ in the Declarations.” Faced with such clear and unambiguous language, a court is required to enforce the exact language of the policy that unambiguously required the insured to reside at the insured premises at the time of the loss. If the insured resided in a different location there could be no coverage.