Which of the following is a factor that is not directly assessed for household insurance?

In the context of household insurance, the property's square footage is often considered part of the overall assessment process because it is tied to the value of the home and can influence the amount of coverage needed. Insurers typically evaluate the size of the property to determine rebuilding costs and potential risks associated with the structure.

On the other hand, the insured's occupation, the property's ownership, and the number of occupants can significantly impact the risk profile for an insurer. For example, the insured's occupation might reveal potential risks associated with their job that could lead to higher claims. Property ownership could determine who is responsible for maintaining insurance, and the number of occupants could influence the likelihood of accidents or damages occurring. Thus, these aspects are crucial in assessing risk and premium rates.

Therefore, focusing on household insurance assessments, square footage is generally considered a more indirect factor compared to the direct influence of occupation, ownership, and occupancy on insurance risk evaluation.