When an adult son moves back to live with mom and dad he becomes a 'relative resident' of the household. As a resident resident his personal property and personal liability exposure is automatically insured by the parent's homeowner policy. Let's change the scenario. Mom and dad move to Florida and and establish residency. Their son continues to live in their old home and mom and dad continue the homeowner policy. All's well until the house burns down. The insurance company denies the claim because the 'residence premises' where 'you' reside is in Florida and not at the location where the son continues to reside and the house is now ashes. And what about the 'resident relative' language for the son. It doesn't mean a thing if mom and dad have established residency elsewhere. The 'named insured' (aka mom & dad) must be a resident of the house for coverage to be in effect. A word to the wise: Don't make a move without first consulting your independent insurance agent.