Who is NOT considered an insured under the Personal Liability Policy?

In the context of a Personal Liability Policy, an insured is typically defined to include the named insured and certain family members residing in the household, which extends to foster children and other relatives living there. The named insured is the primary individual who has taken out the insurance policy, while family members and foster children are considered covered under the policy as they are part of the household.

However, the neighbor's child, who is staying with the insured for a brief period (such as one week), does not qualify as an "insured." This is because the coverage typically extends to individuals who have a permanent or long-term relationship with the insured, such as family members living in the household, and not to temporary visitors. A guest or visitor would not be covered under the same terms as a member of the household, which is why this option identifies the individual as someone who is not considered an insured under the Personal Liability Policy.

The other individuals mentioned— the named insured, the foster child, and the insured's mother-in-law— would all be classified as insureds under the policy because they share a more permanent residence or familial relationship with the named insured.