Which location is NOT considered part of the insured location under a homeowners policy?

In a homeowners policy, the term "insured location" refers to places where coverage is provided under the policy. These typically include the primary residence, any additional structures on the property, and other specific types of properties such as vacation homes or secondary residences if they're owned by the insured.

Vacant farmland owned by the insured is not included in this definition of insured locations. While it might be owned by the policyholder, it is not primarily used for residential purposes and is considered separate from the typical coverage areas of a homeowners policy. This exclusion reflects the specific conditions and intended purpose of homeowners insurance, which generally focuses on residential properties rather than agricultural land.

In contrast, the primary residence and any rented vacation home or secondary living structure are generally covered because they serve as living spaces for the insured or their guests. Therefore, identifying vacant farmland as an area outside the scope of the homeowners policy aligns with the intent and structure of the coverage provided.