United States Fidelity & Guaranty Co. v. McGlothlin

In this insurance case, the broad question is whether the sum owed by an insurer for a personal property loss under a homeowner’s policy is confined to the amount set forth in a “Special Limits of Liability” clause of the policy. Specifically, the issue is whether the article of personal property damaged is a “trailer” within the meaning of the clause.

In December 1987, appellee Carlis McGlothlin owned a 1987 Prowler “camper trailer,” which was destroyed by a sudden windstorm while parked near his residence in Russell County. At the time, McGlothlin was the named insured under a homeowner’s…