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The question I have is regarding a loss which occurred in IL and is looking at the ISO HO-3 10/00 for coverage. The named insured’s (NI) live in girlfriend falls off the deck due to the railing not being maintained appropriately by the NI. She dies as a result of her injuries. Our NI is looking to his HO3 to respond to the suit he has received from her family. I say there is coverage because she is not considered an “insured” by definition and Section II exclusion F.6. does not apply. My co-worker says the policy will not respond because she is a resident of the household.

Illinois Subscriber

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