18. All of the following are included as insureds for the Section 11-Liability Coverages of a homeowner's policy, EXCEPT: c The named insured's 17-year-old foster child The 19-year-old exchange student who temporarily lives with and under the care of the named insured and resident spouse Page 6 of 15 The homeowner's association that sends a loss assessment bill to the named insured The named insured's neighbor while caring for the insured's dog if the dog causes injury while in the neighbor's care