All of the following people would be considered insureds under the liability section of a homeowners policy EXCEPT:

In the context of a homeowners policy, the liability section typically covers specific individuals who reside in the household as insureds. This includes family members and others living there, such as foster children.

A 15-year-old foster child residing in the premises is considered an insured because they are a permanent resident of the home, just like any family member. The mother of the insured is also directly covered as she resides in the household and is often regarded as part of the immediate family. The legal representative of a deceased insured maintains coverage to ensure that the estate can handle any ongoing liabilities connected to the deceased person's actions.

However, the 22-year-old niece visiting the insured does not qualify as an insured under the liability section of the homeowners policy. While she might be covered for temporary incidents, as a visitor rather than a permanent resident, she does not receive the same status or protection as those who live full-time in the home. This distinction is crucial in understanding who qualifies for coverage under such policies.