Auto-Owners Insurance Co. v. Hansen Housing, Inc.

KONENKAMP, Justice.

[¶ 1.] Auto-Owners Insurance Company appeals a declaratory ruling that its “Bu-sinessowners Policy” covered damages to a vacant commercial building owned by Hansen Housing, Inc. We uphold coverage for most but not all the claimed losses. Affirmed in part and reversed in part.

Facts

[¶ 2.] Hansen Housing purchased the former Ipswich Community Hospital and adjacent properties at public auction in November 1989. Included in the $74,000 purchase were all the contents of the hospital, except the x-ray machine and the beds. Mike and Nancy Hansen, the principals of Hansen Housing,…