Stevens v. Motorists Mutual Insurance Co.

WINTERSHEIMER, Justice.

This appeal is from the decision of the Court of Appeals which affirmed dismissal of the Stevens’ claim against Motorists Mutual Insurance Company, their homeowners’ insurance company, under the Consumer Protection Act, KRS 367.220(1), for unfair, false, misleading and deceptive acts.

Two issues are presented:

1) Does the Kentucky Consumer Protection Act provide homeowners with a remedy against their own insurance company? This turns on whether the Stevens purchased “goods or services” as covered by the Act.

2) If the Consumer Protection Act establishes a cause of action,…