Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Is a family cemetery plot included as premises under Homeowners Liability?

1. No, it is not included

2. Yes, it is included under specific conditions

3. Only if it has a visible marker

4. It is considered personal property

The correct answer is: Yes, it is included under specific conditions

The inclusion of a family cemetery plot as premises under Homeowners Liability is indeed subject to specific conditions, making the choice that recognizes these conditions correct. Generally, a family cemetery plot can be considered part of the premises of the home, but this inclusion is dependent on factors like ownership, location, and how it is treated in relation to the insured property. When a cemetery plot is owned by the homeowner and is located adjacent to or within the proximity of the insured property, it may be considered as part of the premises for liability purposes. This means that any liability arising from activities in or around that cemetery plot could potentially be covered under a typical homeowners policy, contingent on the specifics outlined in the policy. This understanding helps clarify the nature of coverage in homeowners insurance, particularly regarding unique situations like cemetery plots, recognizing that proper assessment and conditions of coverage are crucial in determining the applicable insurance liability.