Antone is remodeling his house and invites his brother over to help. His brother brings several expensive tools to help with the remodeling. One day while Antone and his brother are working in the attached garage, a tornado strikes the house and destroys the garage and all of its contents. With regard to the brother's tools: They will be covered only if Antone has an endorsement covering property that is owned by another but stored at his residence. Antone's homeowners policy will cover their loss only if Antone had been the one who was using the them immediately prior to the tornado. Antone's homeowners policy will not cover their loss since they did not belong to Antone. Antone's homeowners policy covers their loss because they were being used by a guest of the insured at the insured's residence while the residence is occupied by the insured.

Antone is remodeling his house and invites his brother over to help. His brother brings several expensive tools to help with the remodeling. One day while Antone and his brother are working in the attached garage, a tornado strikes the house and destroys the garage and all of its contents. With regard to the brother's tools: They will be covered only if Antone has an endorsement covering property that is owned by another but stored at his residence. Antone's homeowners policy will cover their loss only if Antone had been the one who was using the them immediately prior to the tornado. Antone's homeowners policy will not cover their loss since they did not belong to Antone. Antone's homeowners policy covers their loss because they were being used by a guest of the insured at the insured's residence while the residence is occupied by the insured