Who is generally NOT considered an insured under the homeowners policy?

In the context of a homeowners policy, an insured typically includes those who are explicitly listed, such as the named insured and their immediate family members residing in the household. While a foster child and a spouse's mother living in the home can be considered insured due to their close relationship and residency, a common-law spouse, even if they are living in the home for six months, may not automatically be covered unless they are specifically named in the policy. The reason for this distinction often comes down to varying definitions and legal recognition of relationships in different jurisdictions, which can affect eligibility for coverage. Thus, the common-law spouse in this scenario is generally not recognized as an insured party.