Michael Verdetto v. State Farm Fire & Casualty Co

OPINION

COWEN, Circuit Judge.

Michael Verdetto and Deborah Verdetto (the “Verdettos”) appeal from an order of the District Court granting summary judgment in favor of State Farm Fire & Casualty Company (“State Farm”). We will affirm.

I

We write exclusively for the parties who are familiar with the factual context and legal history of this case. Therefore, we set forth only the facts that are necessary for our analysis.

The Verdettos rented a house in Avoca, Pennsylvania and obtained renters insurance coverage from State Farm. Halfway through their lease, the Verdettos signed a lease for a rental…