Farm Bureau Mutual Insurance v. Schrock

J. JONES, Justice.

This is an appeal from a declaration of no coverage under an umbrella policy issued by Farm Bureau Mutual Insurance Company of Idaho (“Farm Bureau”) to John and Lisa Schrock for a claim brought by their daughter Stacy Schrock. We affirm.

I

Facts and Procedural History

Farm Bureau issued two insurance policies to John and Lisa Schrock, the City Squire Policy (the “Squire Policy”),1 and the Personal Umbrella Policy (the “Umbrella Policy”). The Squire Policy provides up to $500,000 in automobile liability coverage, while the Umbrella Policy provides supplemental liability coverage…