Under these examples, which statement accurately describes cemetery injuries and coverage?

• A. The cemetery plot is an insured location
• B. It is not covered because it's cemetery
• C. Tombstones are not insured
• D. The policy excludes cemetery injuries

Answer: (A)

Insured locations define where a policy’s protections apply. If the cemetery plot is located on the insured property described in the policy, it is considered part of an insured location. That means injuries or damage occurring there fall under the policy’s coverages, such as liability or related protections, rather than being excluded. There isn’t a blanket rule that cemetery property isn’t covered, nor a general exclusion for cemetery injuries, and tombstones can be included as insured property under the right terms. So describing the cemetery plot as an insured location aligns with how coverage is intended to apply.