Which of the following is not considered an insured person under Homeowners policies?

In Homeowners policies, an insured person typically includes the policyholder, their spouse, children, and other relatives who live with them, as well as any other person who may be using the residence. However, tenants are generally not considered insured persons under these policies.

A tenant occupies the property under a rental agreement and is not a member of the family or household that the insurance covers. Therefore, any claims or coverage for damages involving the tenant would not be included under the homeowner's policy.

In contrast, a common law spouse who has cohabitated for a significant period, parents who live with the insured, and dependent children, even if temporarily living away from home for education, are all covered under the typical definitions of an insured person in these policies. They are considered part of the household for the purposes of coverage, which is why the option involving the tenant is the only one not classified as an insured person.