Which of the following is NOT counted as premises in HO coverage?

In the context of Homeowners (HO) insurance coverage, the term "premises" refers to the locations and structures specifically covered under the policy, typically related to residential use. Buildings and structures that are directly associated with a personal residence are included, whereas certain types of properties or uses are excluded.

Buildings used for business are not considered part of the premises in most standard HO policies. This exclusion stems from the intent of HO insurance to cover personal residences rather than commercial operations. Business-related properties usually fall under commercial property insurance, which provides coverage tailored to the risks associated with operating a business. Therefore, a building utilized for business activities does not qualify as part of the insured premises under a homeowner's policy.

The other options provided are categorized differently. Vacant land may not be within the dwelling itself but still falls under the HO policy in a broader sense as part of the insured grounds. Structures on the grounds, such as a shed or garage, are typically considered premises since they serve a purpose associated with the residence. Cemetery plots are considered personal property and can be included under certain conditions as they pertain to personal interests. Thus, the inclusion or exclusion of these elements is rooted in the nature of the homeowner's insurance and its focus on personal-use properties