A homeowners policy covers more people than the one name on the declarations. Start with the definitions; many exam questions are really definition questions.
Named insured ("you" and "your"): the named insured shown in the Declarations and a resident spouse. California requires every policy to cover a registered domestic partner equally with a spouse, on the same terms and conditions (Section 381.5), so a resident registered domestic partner is treated like a resident spouse without any endorsement.
Insureds also include residents of the household who are:
relatives of the named insured;
younger persons in the care of an insured;
full-time students who lived in the household before leaving for school, if under 24 and a relative, or under 21 and in the care of an insured.
The test is residence in the household, not just family ties. An adult son who owns a home in another city is not an insured under his parents' policy and needs his own coverage.