The issue of who is a resident of the household,and thus an "insured" under the HO policy,has been litigated many times. Which of the following is a key factor that most courts consider when determining residence?

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Most courts consider the intent of the individual to be a key factor when determining residence. This means that the person must have the intention to make that residence their primary dwelling place. Factors that may be considered include whether the individual receives regular mail at the residence, has personal property located there, and spends a significant amount of time there. Educational status or occupation are not typically relevant factors in determining residence.

The Issue of Who Is a Resident of the Household,and