West American Insurance Co. v. Lowrie

COPE, Judge.

Western American Insurance Company appeals a non-final order granting partial summary judgment on liability in favor of its insured, Carolyn Lowrie. We reverse.

The insurer issued a homeowner’s insurance policy to the insured. The insurance policy included coverage for “[accidental discharge or overflow of water ... from within a household appliance.” The insured’s waterbed broke while being filled, and caused water damage. The trial court ruled that the waterbed is a “household appliance” and that the insurer must cover the loss.

In our view, a waterbed is an item of furniture, and…