Lane v. Security Mutual Insurance

OPINION OF THE COURT

Andrew V. Siracuse, J.

The plaintiff in this case is seeking a declaratory judgment that she is entitled to coverage under the fire insurance policy written by defendant. The incident giving rise to the claim was *617a fire set by her 17-year-old. son. It is uncontested that the son’s conduct was the cause of the fire, and it is also uncontested that the plaintiff had no knowledge of the arson and bears no responsibility for it.

The policy at issue excludes coverage for intentional acts by “an insured”, and defines “insured” to include relatives who are resident in the named…