Which scenario illustrates a claim arising off the insured premises?

• A. The jogger is injured by a dog on the sidewalk
• B. The injury occurred in a cemetery property
• C. The injury occurred on the insured premises
• D. The injury occurred while driving

Answer: (B)

Off-premises claims happen when the injury or damage occurs away from the insured’s home and is not tied to the insured property itself. A scenario where the injury occurs in a cemetery property is clearly outside the insured premises—cemeteries are separate locations, not part of the insured’s home or its immediate surroundings—so this fits the idea of an off-premises claim.

The other options don’t fit as cleanly: an injury on the insured premises is directly on the home’s property, not off the premises; an injury while driving is typically handled by auto insurance rather than homeowners liability; and while a jogger injured on a sidewalk is away from home, the cemetery example is the most unambiguous off-premises location, which is why it’s the best illustration of an off-premises claim.