Cochran v. MFA Mutual Insurance

This is an action upon a homeowner’s insurance policy to recover the value of certain tools allegedly stolen from the insured’s locked motor vehicle. The policy contained the following exclusion: “c. Theft Exclusions applicable to property away from the described premises:

“This policy does not apply to loss away from the described premises of: ...

“(2) property while unattended in or on any motor vehicle or trailer, other than a public conveyance, unless the loss is the result of forcible entry into such vehicle while all doors, windows or other openings thereof are closed and locked, provided…