Which of the following is NOT considered an insured location for liability and medical coverage?

The identified answer highlights that an insured's relative cemetery plot is not considered an insured location for liability and medical coverage. In the context of homeowners and personal liability insurance, insured locations typically include properties where the insured resides, properties rented or borrowed, and sometimes additional locations used by the insured. However, a cemetery plot is categorized differently and does not fall under these types of covered properties.

Cemetery plots are essentially places for burial and are not typically used for personal activities or have structures that could give rise to liability claims. In contrast, vacant land, apartments, and borrowed beach homes are all types of properties where an insured may engage in various activities that could potentially lead to liability claims or medical expenses. Thus, they are considered insured locations under the policy.

Understanding this distinction is crucial for recognizing which properties are covered under personal lines policies and the rationale behind the exclusions applied to certain types of locations.