Two defined terms decide where Section II applies. The residence premises is narrow; the insured location is wider.

Residence premises: the dwelling where the named insured lives that is shown in the declarations, along with its other structures and grounds. It can be a two-, three- or four-family dwelling if the insured lives in one of the units. Example: Lin owns a duplex shown in her declarations, lives in one unit and rents the other. Her residence premises is the whole two-family dwelling with its grounds, not only her unit.

Insured location includes the residence premises plus, among others: - any part of a premises not owned by an insured where an insured is temporarily residing, such as a beach house rented for a two-week vacation (no listing needed) - premises occasionally rented to an insured for other than business use, such as a hall rented for a family party - land on which a residence is being built for an insured - individual or family cemetery plots or burial vaults An office the insured rents to run a business is not an insured location; business exposures belong under a commercial policy.

Why it matters: several Section II rules turn on these terms, such as who is excluded from medical payments, when off-premises injuries are covered and where an unregistered recreational vehicle is covered.