When would theft of property of guests and residence employees be covered under the HO-8 form?

• A. Only while on the insured premises
• B. Anywhere on the insured premises
• C. Not covered
• D. Only at the insured location

Answer: (A)

The key idea is that HO-8 limits theft coverage for property of guests and residence employees to the insured residence itself. This form provides coverage for personal property on the dwelling premises, but it does not extend theft protection off the premises. So theft of a guest’s or a residence employee’s belongings would be covered only while those items are at the insured residence. If the theft happens away from that location, HO-8 wouldn’t cover it unless a separate endorsement or policy were in place.