Which individual would not be considered an insured under the liability section of a homeowners policy?

In the context of a homeowners policy, the definition of "insured" typically includes the named insured, their spouse, and any relatives living in the household. This generally encompasses children, dependent relatives, and the insured's spouse, as long as they reside there.

The scenario presented focuses on the 22-year-old niece. While she may be visiting, she does not reside in the household and is not a relative covered under the policy in the same way that immediate family members are. Guest or visiting status means that she is not considered a permanent member of the household, thereby falling outside the typical definitions of insured individuals in the liability section of the policy.

Therefore, the niece's lack of permanent residency in the household distinguishes her from the other individuals listed, all of whom are connected to the insured through permanent familial ties or the household structure.