If Alicia pays her household insurance renewal premium on July 9, when would the cover apply with a 15-day grace period?

When considering the application of insurance coverage in relation to the payment of a renewal premium and the 15-day grace period, it's important to understand how grace periods operate in insurance contracts. In this case, Alicia's household insurance renewal premium is due on July 1.

If Alicia pays her premium on July 9, the grace period allows for a timeframe beyond the due date to still activate her coverage without a lapse. Given that the grace period is 15 days from the due date, coverage would retroactively apply from the original due date of July 1. This means that even if payment is made after the due date, as long as it is within the grace period, the insurance would still be effective from July 1.

Therefore, the correct answer is July 1, as that is when the coverage would start, reflecting the nature of grace periods in insurance policies.