BODILY INJURY TO RELATIVES RESIDING IN YOUR "HOUSEHOLD"

Grange v. Stubbs (10th Appellate District), App. No. 11AP-163
Coverage excluded for injuries to a relative residing in named insured's "household."

Household is not the same as residence premises.  Household is the family unit... not necessarily the physical structure listed in the declarations.

We handled a case dealing with this very issue involving a young girl who was rendered a paraplegic as a result of an automobile accident.  We were able to successfully brief and argue the "household" exclusion and obtain a very favorable settlement for our client.

The Ohio Supreme Court stated:  We find "household" to be unambiguous in the context of the household-resident exclusions in 7(b) and (c). Given the common and ordinary meaning of the word, we reject appellants' attempt to equate "household" with "residence premises."

"Household" refers to the family unit of the insured, whereas "residence premises" refers to the physical building and location of the address listed in the declarations page. ... in explaining the difference between these two terms, 'Residence premises' refers to a type of physical structure while                                                                                     'household' refers to a distinct type of living arrangement in                                                                         the sense of a social unit.

Read the case here.