All of the Following Persons Are Insured for Personal Liability

All of the following persons are insured for personal liability under the homeowners policy EXCEPT

A) children of the named insured under age 24 who are attending college full time and temporarily residing elsewhere.
B) foster children under the age of 21 who reside with the named insured.
C) nonresident employees of the named insured.
D) the spouse of the named insured if a resident of the same household.