State Farm Fire & Casualty Co. v. Martinez

In the underlying action, Humbelina Flores and her husband Aurelio Flores sought insurance coverage for a personal injury action under a homeowners insurance policy that State Farm Fire & Casualty Company (State Farm) issued to Martin Torres and his wife Maria Torres. State Farm filed this declaratory judgment action contending that the Floreses are not covered under the Torreses’ homeowners policy because under the terms of the policy they do not qualify as insureds since they are not residents of the Torreses’ “household” as that term is defined in the case law. We agree.

The facts…