Residence premises: the one-family dwelling where the named insured lives, a two-, three- or four-family dwelling where the named insured lives in at least one unit, or the part of any other building where the named insured lives, as shown in the Declarations. Other structures and grounds at that location are included. In an eight-unit building, only the part the insured occupies qualifies.

Insured location reaches beyond the residence premises. It includes, among other places: - premises where an insured is temporarily residing; - vacant land, other than farm land; - individual or family cemetery plots. Farm land is carved out of the vacant land category.

Residence employee: an employee of an insured whose duties relate to maintaining or using the residence premises, including household or domestic services, such as a gardener or a nanny. A business employee does not qualify, and the definition leaves out a temporary worker furnished to substitute for a permanent residence employee on leave. A roofer employed by a contractor works for the contractor, not the insured.