Barry is sued after a tombstone incident in a cemetery. The claim is covered because which statement is true?

• A. The cemetery plot is an insured location
• B. Tombstones are automatically insured
• C. The injury occurred on Barry's property
• D. Cemetery injuries are excluded

Answer: (A)

A claim is covered when the location of the incident falls under the policy’s insured locations. In a homeowners policy, insured locations include premises you own or have permission to use, such as land owned by you. If the cemetery plot where the tombstone incident happened is considered land you own or otherwise qualifies as an insured location, the liability coverage can respond to a lawsuit arising from that event. That makes the claim covered.

The other options don’t fit because coverage isn’t automatic for tombstones, and a cemetery isn’t automatically an insured location unless it meets the policy’s definition (for example, if you own the plot). An injury occurring on Barry’s own property would matter only if that property is an insured location, and there isn’t a blanket exclusion that cemetery injuries are always excluded.