Allstate Ins. Co. v. Gauthier

OPINION BY Justice DONALD W. LEMONS.

In this appeal, we consider whether an exclusion from coverage in an insurance policy properly applies to a claim for loss as a result of the sinking of a boat.

I. Facts and Proceedings Below

Elsie Gauthier owned a power boat covered under an all risk insurance policy (the "policy") issued by Allstate Insurance Company ("Allstate"). Under the terms of the policy, Albert Gauthier, Mrs. Gauthier's husband, was an insured as well. Mr. Gauthier disconnected a water pump from the boat in order to take "the water pump to someone else to repair." It is stipulated…