Lang v. Foremost Insurance

Plaintiffs appeal a declaratory judgment entered in favor of defendant insurance company. Plaintiffs’ property was seriously damaged by a fire that was started on their neighbors’, the Tischhausers’, property by one of the Tischhausers’ grandchildren, Douglas Cleveland. The trial court held that the Tischhausers’ homeowners’ insurance policy, issued by defendant, did not provide liability insurance coverage for the Cleveland family. We affirm.

In 1983, defendant issued a homeowners’ policy to Fred Tischhauser. It read, in relevant part:

“PERSONAL LIABILITY COVERAGE

“If a claim is made or a suit…