Ledyard v. Auto Owners Mutual Insurance

James D. Sweeney, Judge.

Plaintiffs-appellants Robert and Deborah Ledyard, husband and wife, appeal from the granting of summary judgment in favor of defendant-appellee, Auto-Owners Mutual Insurance Company, and the simultaneous denial of summary judgment for the Ledyards, in this declaratory judgment action. For the reasons adduced below, we reverse the granting of summary judgment in favor of the insurer, enter judgment in favor of the plaintiffs, and remand to the trial court for further proceedings.

In July 1996, the Ledyards procured a homeowners’ insurance policy from appellee for their…