SIERFELD V. SIERFELD, ET AL. A-4280-08T3 06-15-10
Plaintiff, defendants' adult daughter who was allegedly
residing in their home temporarily, sought coverage under her
parents' homeowners and umbrella insurance policies for injuries
she sustained as a result of a bite by the family dog. Allstate
denied coverage under both policies, claiming that plaintiff was
a resident of defendants' household, and thus excluded from
coverage as an "insured person." We agreed with Allstate,
holding that the words "resident" and "household" as used in the
policies were unambiguous, and that plaintiff and her parents
had a "substantially integrated family relationship" sufficient
to make her a "resident" of her parents' household at the time of the dog bite.
